Omaha, NE · Charter 22969
Q4 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2002, the quarter ended December 31, 2002, 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 22969
Q4 2002
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 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.15% | 0.62% | 0.44% | 0.58% | 0.50% | 0.55% | 0.62% | 0.66% | +8 bps | |
| Return on Equity | n/a | n/a | 3.30% | 4.45% | 4.31% | 4.91% | 5.64% | 5.79% | +133 bps | |
| Net Interest Margin | 5.35% | 5.72% | 5.99% | 5.65% | 4.69% | 4.23% | 4.32% | 4.36% | -129 bps | |
| Efficiency Ratio | 79.57% | 72.15% | 72.03% | 76.33% | 82.05% | 85.91% | 81.48% | 81.68% | +535 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 17.74% | 11.43% | 4.62% | -4.80% | 15.65% | 23.96% | 33.85% | 23.14% | +2,794 bps | |
| Loan Growth (YoY) | -3.39% | 6.61% | 16.78% | 26.11% | 23.97% | 35.06% | 32.52% | 3.80% | -2,232 bps | |
| Share Growth (YoY) | 19.81% | 12.07% | 4.59% | -6.43% | 16.96% | 26.87% | 38.33% | 26.21% | +3,264 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.74% | 2.00% | 2.67% | 2.07% | 4.73% | 0.97% | 1.40% | 0.34% | -173 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 | 2.12% | 3.01% | 3.84% | 3.83% | 3.85% | 2.47% | 1.94% | 1.73% | -210 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | 13.43% | 12.92% | 11.67% | 11.14% | 10.95% | 11.38% | -154 bps | |
| Net Worth / Assets | n/a | n/a | 13.43% | 12.92% | 11.67% | 11.14% | 10.95% | 11.38% | -154 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 71.21% | 73.59% | 82.97% | 90.60% | 75.48% | 78.34% | 79.48% | 74.51% | -1,609 bps | |
| Liquid Assets / Assets | 37.46% | 34.50% | 29.75% | 23.14% | 34.81% | 31.06% | 29.42% | 33.77% | +1,063 bps | |