Omaha, NE · Cert 19397
FDIC
Q3 2011
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.55% | -0.96% | -9.57% | -7.91% | -11.96% | -2.09% | -8.66% | -6.61% | +130 bps | |
| Return on Equity | -17.70% | -7.35% | -79.70% | -70.11% | -121.23% | -60.94% | -337% | -311% | -24,045 bps | |
| Net Interest Margin | 2.61% | 3.37% | 2.91% | 2.91% | 2.91% | 2.96% | 3.42% | 3.86% | +95 bps | |
| Efficiency Ratio | 109.94% | 78.93% | 164.18% | 163.62% | 626% | 146.97% | n/a | 529% | +36,543 bps | |
| Non-Interest Burden | 2.91% | 2.57% | 4.12% | 4.65% | 10.14% | 4.57% | 9.24% | 8.95% | +429 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.26% | -3.86% | -7.93% | -7.76% | -20.52% | -33.82% | -38.90% | -48.31% | -4,055 bps | |
| Loan Growth (YoY) | -9.63% | -10.51% | -9.85% | -7.78% | -14.30% | -21.18% | -36.14% | -44.10% | -3,632 bps | |
| Deposit Growth (YoY) | 2.35% | -0.22% | -3.29% | -2.48% | -11.43% | -26.59% | -32.60% | -43.35% | -4,087 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 8.59% | 0.00% | 8.65% | 7.13% | 8.51% | 6.03% | 39.72% | 30.80% | +2,368 bps | |
| Allowance / Loans | 3.84% | 4.93% | 9.17% | 9.21% | 16.27% | 16.74% | 7.64% | 9.22% | +2 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 21.10% | 21.41% | 14.10% | 15.98% | 7.17% | 7.56% | -0.04% | -0.68% | -1,666 bps | |
| Equity / Assets | 12.89% | 13.24% | 9.74% | 9.03% | 3.13% | 3.80% | 0.37% | 0.28% | -875 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 54.81% | 56.45% | 53.94% | 51.78% | 53.03% | 60.60% | 51.11% | 51.09% | -69 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 7.11% | 10.10% | 18.63% | 6.53% | 6.78% | 1.58% | -852 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |