Lincoln, NE · Charter 66124
Q4 1999
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 1999, the quarter ended December 31, 1999, 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 66124
Q4 1999
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 5.41% | 3.76% | 4.71% | 4.37% | 0.03% | -538 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | 1.55% | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | 97.90% | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | -17.65% | -28.45% | -44.19% | -28.22% | -19.00% | -136 bps | |
| Loan Growth (YoY) | -40.59% | -54.98% | -55.26% | -49.55% | -26.51% | +1,407 bps | |
| Share Growth (YoY) | -18.83% | -30.43% | -46.91% | -30.08% | -20.76% | -193 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.85% | 0.00% | 7.53% | 5.18% | 4.51% | +366 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.90% | 2.94% | 3.89% | 4.42% | 1.88% | +98 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 28.55% | 22.63% | 26.98% | 22.33% | 26.48% | -207 bps | |
| Liquid Assets / Assets | 35.09% | 19.69% | 52.17% | 75.16% | 72.99% | +3,790 bps | |