Lincoln, NE · Charter 65325
Q3 2014
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.12% | -0.17% | -0.35% | -0.33% | -0.32% | -0.52% | -0.51% | 0.34% | +67 bps | |
| Return on Equity | 1.02% | -1.35% | -2.69% | -2.65% | -2.53% | -4.24% | -3.98% | 2.43% | +508 bps | |
| Net Interest Margin | 3.20% | 3.08% | 2.99% | 2.88% | 2.86% | 2.55% | 2.69% | 2.79% | -9 bps | |
| Efficiency Ratio | 96.17% | 104.54% | 109.79% | 109.71% | 109.42% | 118.24% | 117.10% | 91.42% | -1,828 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.15% | -11.11% | -11.21% | -6.05% | -6.70% | 1.55% | -3.33% | -9.94% | -390 bps | |
| Loan Growth (YoY) | 2.04% | -7.62% | -8.81% | -8.61% | -11.79% | -4.77% | -2.62% | -6.37% | +224 bps | |
| Share Growth (YoY) | -2.54% | -12.57% | -12.54% | -6.64% | -7.21% | 2.35% | -3.27% | -11.42% | -478 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.82% | 0.00% | 0.32% | 0.00% | 0 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 | 0.65% | 0.73% | 0.73% | 0.72% | 0.74% | 0.76% | 0.75% | 0.77% | +5 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.92% | 12.87% | 12.82% | 12.38% | 12.48% | 12.29% | 12.87% | 13.92% | +154 bps | |
| Net Worth / Assets | 11.92% | 12.87% | 12.82% | 12.38% | 12.48% | 12.29% | 12.87% | 13.92% | +154 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 53.20% | 52.36% | 52.40% | 51.25% | 50.58% | 48.71% | 52.75% | 54.17% | +292 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |