Omaha, NE · Charter 10742
Q2 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2006, the quarter ended June 30, 2006, 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.
Omaha, NE · Charter 10742
Q2 2006
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 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.70% | 0.51% | 0.62% | 0.40% | 0.56% | 0.42% | 0.29% | -7.96% | -836 bps | |
| Return on Equity | 4.58% | 3.52% | 4.28% | 2.64% | 3.65% | 2.79% | 1.90% | -64.80% | -6,744 bps | |
| Net Interest Margin | 4.63% | 4.36% | 4.35% | 4.49% | 4.49% | 4.34% | 4.13% | 4.37% | -12 bps | |
| Efficiency Ratio | 81.63% | 85.23% | 86.48% | 90.42% | 87.28% | 87.92% | 94.75% | 226% | +13,551 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 13.34% | 12.62% | 7.51% | 0.47% | 3.49% | -0.17% | -3.65% | -5.97% | -644 bps | |
| Loan Growth (YoY) | 27.38% | 33.45% | 21.14% | 4.52% | 5.31% | -1.51% | -1.89% | -3.83% | -835 bps | |
| Share Growth (YoY) | 17.10% | 16.46% | 10.81% | 9.10% | 3.44% | -1.13% | -4.44% | -5.35% | -1,445 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.21% | 0.32% | 0.64% | 0.49% | 1.88% | 0.63% | 0.78% | 0.42% | -8 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 | 1.07% | 1.04% | 0.93% | 0.80% | 0.84% | 1.03% | 0.67% | 0.77% | -3 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.31% | 14.48% | 14.43% | 15.07% | 15.22% | 14.92% | 15.17% | 12.28% | -278 bps | |
| Net Worth / Assets | 15.31% | 14.48% | 14.43% | 15.07% | 15.22% | 14.92% | 15.17% | 12.28% | -278 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 96.06% | 94.84% | 94.52% | 96.83% | 97.80% | 94.47% | 97.04% | 98.38% | +156 bps | |
| Liquid Assets / Assets | 6.15% | 6.50% | 5.69% | 3.97% | 5.46% | 8.41% | 8.09% | 0.00% | -397 bps | |