Omaha, NE · Cert 20628
FDIC
Q2 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2013, the quarter ended June 30, 2013, 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 · Cert 20628
FDIC
Q2 2013
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 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.79% | -0.24% | 1.70% | 1.60% | 1.52% | 0.86% | -0.30% | 0.16%1 | -144 bps | |
| Return on Equity | -8.09% | -2.51% | 19.44% | 17.50% | 16.15% | 9.00% | -3.01% | 1.61% | -1,590 bps | |
| Net Interest Margin | 5.00% | 4.99% | 5.01% | 4.90% | 5.09% | 4.86% | 3.82% | 3.74% | -116 bps | |
| Efficiency Ratio | 69.92% | 69.61% | 61.92% | 64.18% | 66.03% | 71.42% | 89.89% | 84.22% | +2,005 bps | |
| Non-Interest Burden | 3.29% | 3.22% | 2.56% | 2.62% | 2.83% | 3.03% | 3.29% | 2.91% | +30 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.89% | 6.45% | -7.53% | -3.01% | -9.56% | -6.94% | -6.32% | 2.00% | +502 bps | |
| Loan Growth (YoY) | 11.77% | 8.12% | 2.52% | -0.48% | -13.34% | -14.15% | -18.30% | -11.60% | -1,112 bps | |
| Deposit Growth (YoY) | -1.68% | 3.97% | -14.93% | -11.86% | -12.02% | -11.05% | -5.87% | 5.18% | +1,704 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 | 1.55% | 1.20% | -0.02% | 0.15% | 0.13% | 1.71% | -0.01% | 1.11% | +96 bps | |
| Allowance / Loans | 2.08% | 2.17% | 2.14% | 2.20% | 2.31% | 1.55% | 2.21% | 1.71% | -49 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 | 10.26% | 10.42% | 10.82% | 12.14% | 13.21% | 13.23% | 13.71% | 13.75% | +160 bps | |
| Equity / Assets | 8.38% | 8.58% | 8.96% | 9.94% | 10.30% | 10.06% | 9.68% | 9.65% | -29 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 110.09% | 107.76% | 113.19% | 115.83% | 108.44% | 104.00% | 98.25% | 97.35% | -1,848 bps | |
| Liquid Assets / Assets | 0.96% | 0.29% | 0.22% | 0.47% | 0.45% | 0.30% | 13.97% | 13.75% | +1,328 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |