Lincoln, NE · Charter 66164
Q2 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2002, the quarter ended June 30, 2002, 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 66164
Q2 2002
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 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.20% | 0.02% | 1.05% | -0.13% | 0.01% | 0.12% | -1.32% | -0.80% | -67 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | 0.05% | 0.48% | -5.31% | -3.45% | n/a | |
| Net Interest Margin | n/a | n/a | 6.77% | 5.10% | 5.11% | 4.81% | 4.47% | 3.68% | -143 bps | |
| Efficiency Ratio | n/a | n/a | 70.88% | 102.47% | 93.81% | 89.21% | 99.82% | 112.41% | +994 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.12% | 2.84% | -6.40% | 3.17% | -1.48% | -2.54% | -5.44% | -1.63% | -480 bps | |
| Loan Growth (YoY) | -42.79% | -44.37% | -15.30% | 4.51% | 38.74% | 46.40% | 5.01% | 6.48% | +197 bps | |
| Share Growth (YoY) | -1.75% | 5.89% | -6.77% | 7.95% | 2.16% | -2.75% | -3.88% | 0.43% | -752 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.78% | 4.14% | 0.99% | 1.18% | 1.35% | 1.78% | 1.07% | 3.70% | +252 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 | 1.74% | 2.81% | 0.62% | 0.85% | 0.96% | 1.15% | 1.45% | 1.36% | +52 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | 25.58% | 25.92% | 24.85% | 23.16% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | 25.58% | 25.92% | 24.85% | 23.16% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 63.66% | 61.24% | 73.20% | 75.98% | 86.46% | 92.19% | 79.97% | 80.56% | +458 bps | |
| Liquid Assets / Assets | 45.35% | 54.66% | 41.04% | 32.28% | 35.31% | 31.90% | 26.25% | 38.39% | +610 bps | |