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Ameritas Employees

Lincoln, NE · Charter 66099

Q3 2014

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2014, the quarter ended September 30, 2014, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Ameritas Employees

Lincoln, NE · Charter 66099

Q3 2014

$15.1MAssets
$6.1MLoans
$13.2MShares
$1.8MNet Worth

Executive Summary

  • Earnings: ROA of 0.47%, up 56 bps year over year; NIM at 1.83%.
  • Asset quality: problem loans at 0.00% of loans (-58 bps YoY).
  • Capital: net worth / assets of 12.14%, up 42 bps from a year ago.
  • Funding: loans stand at 45.94% of shares as of Q3 2014.

Return on Assets (YTD, annualized)

0.47%+56 bps YoY

Net Interest Margin (YTD, annualized)

1.83%-17 bps YoY

Efficiency Ratio (YTD, annualized)

83.89%-2,012 bps YoY

Net Worth / Assets

12.14%+42 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2012Q1 2013Q2 2013Q3 2013Q4 2013Q1 2014Q2 2014Q3 2014YoY ΔTrend
Earnings
Return on Assets0.07%0.00%-0.04%-0.09%-0.07%-0.17%-0.29%0.47%+56 bps
Return on Equity0.62%0.02%-0.32%-0.80%-0.59%-1.58%-2.52%3.85%+465 bps
Net Interest Margin2.21%1.97%1.94%1.99%2.04%1.73%1.80%1.83%-17 bps
Efficiency Ratio98.45%99.88%101.64%104.00%102.95%108.64%113.44%83.89%-2,012 bps
Growth
Asset Growth (YoY)1.98%3.29%4.51%1.84%-2.91%1.93%-2.82%-0.55%-239 bps
Loan Growth (YoY)20.28%7.64%-5.06%-6.79%-9.35%-9.86%-8.95%-10.48%-369 bps
Share Growth (YoY)2.19%3.72%5.17%2.24%-3.24%2.36%-3.00%-0.97%-321 bps
Asset Quality
Delinquent Loans / Loans0.01%0.01%0.13%0.58%0.00%0.00%0.00%0.00%-58 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.42%0.43%0.45%0.43%0.43%0.45%0.46%0.11%-32 bps
Capital
Risk-Based Capital11.76%11.36%11.35%11.72%12.04%11.03%11.48%12.14%+42 bps
Net Worth / Assets11.76%11.36%11.35%11.72%12.04%11.03%11.48%12.14%+42 bps
Liquidity & Funding
Loans / Shares53.64%49.77%47.90%50.82%50.25%43.83%44.96%45.94%-488 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps