Lincoln, NE · Charter 66099
Q3 2014
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 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.07% | 0.00% | -0.04% | -0.09% | -0.07% | -0.17% | -0.29% | 0.47% | +56 bps | |
| Return on Equity | 0.62% | 0.02% | -0.32% | -0.80% | -0.59% | -1.58% | -2.52% | 3.85% | +465 bps | |
| Net Interest Margin | 2.21% | 1.97% | 1.94% | 1.99% | 2.04% | 1.73% | 1.80% | 1.83% | -17 bps | |
| Efficiency Ratio | 98.45% | 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 / Loans | 0.01% | 0.01% | 0.13% | 0.58% | 0.00% | 0.00% | 0.00% | 0.00% | -58 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 | 0.42% | 0.43% | 0.45% | 0.43% | 0.43% | 0.45% | 0.46% | 0.11% | -32 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.76% | 11.36% | 11.35% | 11.72% | 12.04% | 11.03% | 11.48% | 12.14% | +42 bps | |
| Net Worth / Assets | 11.76% | 11.36% | 11.35% | 11.72% | 12.04% | 11.03% | 11.48% | 12.14% | +42 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 53.64% | 49.77% | 47.90% | 50.82% | 50.25% | 43.83% | 44.96% | 45.94% | -488 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |