Lincoln, NE · Charter 61989
Q1 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2004, the quarter ended March 31, 2004, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Lincoln, NE · Charter 61989
Q1 2004
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.13% | -0.06% | 0.01% | 0.26% | 0.30% | 0.38% | 0.43% | 0.26% | 0 bps | |
| Return on Equity | -1.36% | -0.62% | 0.06% | 2.85% | 3.33% | 4.14% | 4.43% | 2.72% | -13 bps | |
| Net Interest Margin | 3.27% | 3.30% | 3.29% | 3.27% | 3.34% | 3.34% | 3.45% | 3.33% | +6 bps | |
| Efficiency Ratio | 99.89% | 98.09% | 96.45% | 90.51% | 89.78% | 87.91% | 87.19% | 90.23% | -28 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 20.21% | 18.04% | 12.14% | 11.65% | 4.41% | 4.81% | 0.31% | -0.80% | -1,245 bps | |
| Loan Growth (YoY) | -8.72% | -0.57% | 0.60% | -3.30% | 0.18% | -3.20% | -0.50% | -1.97% | +134 bps | |
| Share Growth (YoY) | 21.85% | 20.03% | 13.55% | 12.99% | 4.28% | 4.33% | -0.13% | -1.40% | -1,439 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.96% | 1.08% | 1.09% | 0.70% | 0.81% | 1.04% | 1.27% | 1.04% | +34 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.34% | 0.37% | 0.43% | 0.38% | 0.42% | 0.39% | 0.40% | 0.44% | +6 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.32% | 9.37% | 9.28% | 9.10% | 9.15% | 9.28% | 9.68% | 9.60% | +50 bps | |
| Net Worth / Assets | 9.32% | 9.37% | 9.28% | 9.10% | 9.15% | 9.28% | 9.68% | 9.60% | +50 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 55.33% | 57.54% | 55.00% | 51.89% | 53.16% | 53.39% | 54.80% | 51.59% | -30 bps | |
| Liquid Assets / Assets | 37.78% | 37.25% | 40.86% | 44.00% | 44.59% | 45.43% | 41.95% | 41.20% | -280 bps | |