Paige Werner
NBC Analysis

2010-2011
ROE- Increases (negative though)
ROA- Increases (negative though)
NIM- Increases
Burden- Decreases
Efficiency- Decreases
Net Credit Loss-Decreases
Non-performing Loans-Decreases
Percentage Growth Total Loans- No data to compare

Between 2010-2011 both ROE and ROA increase even though they are still negative percentages, meaning their net income was not enough to cover their assets and equity. The NIM increases which means they received enough net interest to cover their assets for the year. Burden and efficiency decreased from 2010 to 2011, this is a good sign that NBC is functioning more effectively and precisely. Both the net credit loss and nonperforming loan ratios decrease. This is great because it means that NBC is making more loans that are paying themselves back and don’t have very many loans that essentially are defaulting.

2011-2012
ROE- Increases
ROA- Increases
NIM- Increases
Burden- Decreases
Efficiency- Decreases
Net Credit Loss- Decreases
Non-performing Loans- Decreases
Percentage Growth Total Loans- Increases

One of the main differences from 2011 to 2012 is that ROE and ROA finally come out positive. Meaning they made enough net income to cover both their assets and equity. The rest of the ratios slowly keep going with the trend. For this year we have enough date to calculate the percentage growth in total loans, which increased from the year before.

2012-2013
ROE- Increases
ROA- Increases
NIM- Decreases (slightly)
Burden- Decreases
Efficiency- Decreases
Net Credit Loss- Decreases
Non-performing Loans- Increases (slightly)
Percentage Growth Total Loans- Decreases (positive growth though)

For 2012-2013 some of the ratios go in the opposite direction but not really by much. For the first time NIM decreases from the year before but only slightly so it doesn’t worry me too much, for the number is still positive. Non-performing loans actually increases a little from the year before but not by much. The percentage growth total loans decreases but is still a positive number, this doesn’t surprise me really because the previous year had such a high growth percentage that I knew it would be hard for NBC to beat it.

2013-Sept. 2014
ROE- Decreases slightly (positive though)
ROA- Decreases
NIM- Decreases
Burden- Decreases
Efficiency- Decreases
Net Credit Loss- Increases
Non-performing Loans- Decreases
Percentage Growth Total Loans- Increases

From 2013 to 2014 ROE, ROA, and NIM all slightly decrease a little bit, the only real reason this worries me is because all three decreased. Also net credit loss increases instead of decreases