Lincoln, NE · Charter 64101
Q3 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2007, the quarter ended September 30, 2007, 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 64101
Q3 2007
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 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.14% | 0.27% | 0.16% | -0.04% | -0.07% | 0.01% | 0.30% | 0.23% | +27 bps | |
| Return on Equity | 1.32% | 2.56% | 1.58% | -0.38% | -0.60% | 0.11% | 2.58% | 1.96% | +234 bps | |
| Net Interest Margin | 3.04% | 2.95% | 2.74% | 2.54% | 2.85% | 3.10% | 3.35% | 3.50% | +95 bps | |
| Efficiency Ratio | 89.34% | 92.63% | 94.59% | 99.76% | 98.60% | 99.71% | 93.00% | 92.28% | -749 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.74% | -1.93% | 4.50% | 9.81% | -0.38% | -3.11% | -10.68% | -15.38% | -2,519 bps | |
| Loan Growth (YoY) | 13.21% | 26.45% | 22.70% | 18.37% | 14.68% | 5.76% | -1.79% | 1.98% | -1,639 bps | |
| Share Growth (YoY) | -1.24% | -4.69% | -4.22% | -1.70% | -1.45% | -2.29% | -4.68% | -7.30% | -559 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.63% | 0.48% | 0.54% | 0.40% | 0.45% | 0.42% | 0.48% | 0.60% | +21 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 | 0.51% | 0.44% | 0.39% | 0.37% | 0.38% | 0.38% | 0.33% | 0.41% | +4 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.91% | 10.68% | 10.26% | 10.01% | 10.89% | 10.89% | 11.47% | 11.97% | +196 bps | |
| Net Worth / Assets | 10.91% | 10.68% | 10.26% | 10.01% | 10.89% | 10.89% | 11.47% | 11.97% | +196 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 61.49% | 63.01% | 70.78% | 70.85% | 71.56% | 68.20% | 72.93% | 77.94% | +709 bps | |
| Liquid Assets / Assets | 12.62% | 17.53% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |