Lincoln, NE · Charter 66135
Q2 1999
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| 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 | |