Nebraska Teachers

Lincoln, NE · Charter 66135

Q2 1999

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: Q2 1999, the quarter ended June 30, 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 66135

Q2 1999

$858KAssets

$587KLoans

$789KShares

n/aNet Worth

Return on Assets (YTD, annualized)

1.94%-204 bps YoY

Net Interest Margin (YTD, annualized)

n/a

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

Metric	Q4 1995	Q2 1996	Q4 1996	Q2 1997	Q4 1997	Q2 1998	Q4 1998	Q2 1999	YoY Δ	Trend
Earnings
Return on Assets	2.82%	2.45%	3.67%	3.98%	3.90%	3.25%	3.85%	1.94%	-204 bps
Return on Equity	n/a	n/a	n/a	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	n/a	n/a	n/a	n/a	n/a	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Growth
Asset Growth (YoY)	n/a	9.19%	-7.33%	-0.67%	-11.69%	-15.39%	-4.64%	0.76%	+143 bps
Loan Growth (YoY)	n/a	-9.48%	-21.98%	-8.65%	4.05%	8.34%	-10.47%	-23.36%	-1,471 bps
Share Growth (YoY)	n/a	10.10%	-7.42%	-1.30%	-18.53%	-18.54%	-6.03%	1.30%	+260 bps
Asset Quality
Delinquent Loans / Loans	2.66%	2.14%	2.11%	6.49%	3.70%	10.63%	2.18%	11.73%	+524 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	1.41%	1.62%	0.69%	0.61%	0.89%	1.17%	1.05%	1.54%	+93 bps
Capital
Risk-Based Capital	n/a	n/a	n/a	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	n/a	n/a	n/a
Liquidity & Funding
Loans / Shares	78.82%	68.42%	91.84%	98.37%	100.67%	91.00%	87.50%	74.43%	-2,395 bps
Liquid Assets / Assets	1.92%	34.85%	13.72%	8.72%	12.43%	2.23%	18.47%	9.36%	+65 bps