Omaha, NE · Cert 20927
FDIC
Q3 2007
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 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.64% | 1.77% | 1.87% | 1.80% | 1.74% | 1.63% | 1.59% | 1.50% | -30 bps | |
| Return on Equity | 19.92% | 22.29% | 23.27% | 22.11% | 21.15% | 18.49% | 17.90% | 16.67% | -544 bps | |
| Net Interest Margin | 4.37% | 4.72% | 4.72% | 4.76% | 4.65% | 4.81% | 4.55% | 4.70% | -6 bps | |
| Efficiency Ratio | 56.35% | 56.85% | 55.56% | 57.47% | 58.43% | 60.98% | 59.68% | 63.74% | +627 bps | |
| Non-Interest Burden | 2.26% | 2.51% | 2.40% | 2.52% | 2.50% | 2.72% | 2.52% | 2.82% | +30 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 20.62% | 18.28% | 8.31% | 4.00% | 3.06% | -3.40% | -0.24% | 0.53% | -346 bps | |
| Loan Growth (YoY) | 13.11% | 3.37% | 5.36% | 12.83% | 8.93% | 10.73% | 5.55% | 1.86% | -1,097 bps | |
| Deposit Growth (YoY) | 17.75% | 20.50% | 8.27% | 2.73% | 4.51% | -5.11% | -3.60% | -0.37% | -310 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 | 0.59% | -0.23% | -0.09% | 0.01% | 0.28% | 0.25% | 0.13% | 0.18% | +17 bps | |
| Allowance / Loans | 0.91% | 1.13% | 1.15% | 1.17% | 1.02% | 1.09% | 1.16% | 1.19% | +1 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 | 10.23% | 10.57% | 10.36% | 10.33% | 10.61% | 10.84% | 10.81% | 11.23% | +90 bps | |
| Equity / Assets | 7.94% | 7.92% | 8.22% | 8.45% | 8.61% | 9.08% | 9.00% | 9.33% | +88 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 100.19% | 92.44% | 101.62% | 105.87% | 104.42% | 107.86% | 111.25% | 108.25% | +238 bps | |
| Liquid Assets / Assets | 0.04% | 0.02% | 0.05% | 0.02% | 0.06% | 0.04% | 0.06% | 0.08% | +6 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |