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H.B.E.

Seward, NE · Charter 66120

Q4 2011

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: Q4 2011, the quarter ended December 31, 2011, 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 2026-10-10

H.B.E.

Seward, NE · Charter 66120

Q4 2011

$1.1MAssets
$137KLoans
$928KShares
$132KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -0.69%, down 71 bps year over year; NIM at 0.94%.
  • Asset quality: problem loans at 3.27% of loans (+207 bps YoY).
  • Capital: net worth / assets of 11.60%, down 1,334 bps from a year ago.
  • Funding: loans stand at 14.78% of shares as of Q4 2011.

Financial Results

Return on Assets (YTD, annualized)

-0.69%-71 bps YoY

Net Interest Margin (YTD, annualized)

0.94%-171 bps YoY

Efficiency Ratio (YTD, annualized)

168.62%+7,888 bps YoY

Net Worth / Assets

11.60%-1,334 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2010Q1 2011Q2 2011Q3 2011Q4 2011YoY ΔTrend
Earnings
Return on Assets0.02%0.28%0.30%0.19%-0.69%-71 bps
Return on Equity0.07%1.29%1.34%0.87%-5.96%-603 bps
Net Interest Margin2.65%2.88%3.22%3.13%0.94%-171 bps
Efficiency Ratio89.73%90.78%90.97%94.19%168.62%+7,888 bps
Growth
Asset Growth (YoY)-6.35%9.97%6.58%5.24%100.43%+10,678 bps
Loan Growth (YoY)7.89%19.74%21.03%36.40%-73.12%-8,102 bps
Share Growth (YoY)-13.12%15.48%10.41%-8.08%133.12%+14,623 bps
Asset Quality
Delinquent Loans / Loans1.20%1.10%3.57%2.99%3.27%+207 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.87%0.83%0.83%0.55%2.45%+158 bps
Capital
Risk-Based Capital24.94%21.67%22.69%21.74%11.60%-1,334 bps
Net Worth / Assets24.94%21.67%22.69%21.74%11.60%-1,334 bps
Liquidity & Funding
Loans / Shares128.21%107.36%114.74%147.11%14.78%-11,343 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps