Omaha, NE · Charter 24222
Q2 2015
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.08% | 0.36% | -0.17% | -0.09% | -0.05% | -0.06% | -0.20% | -0.33% | -24 bps | |
| Return on Equity | -0.39% | 1.69% | -0.81% | -0.44% | -0.21% | -0.28% | -0.96% | -1.62% | -118 bps | |
| Net Interest Margin | 2.84% | 2.76% | 2.52% | 2.56% | 2.60% | 2.51% | 2.42% | 2.31% | -25 bps | |
| Efficiency Ratio | 102.28% | 91.00% | 104.76% | 104.02% | 102.91% | 102.75% | 104.99% | 109.64% | +562 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.37% | 1.94% | 0.36% | 2.90% | 1.13% | 1.85% | -3.75% | 3.01% | +11 bps | |
| Loan Growth (YoY) | -8.47% | -1.94% | -1.71% | -3.82% | -6.13% | -9.91% | -11.41% | -12.21% | -839 bps | |
| Share Growth (YoY) | 16.20% | 2.89% | 0.36% | 3.89% | -10.88% | 2.49% | -4.22% | 4.37% | +49 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 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 | 0.74% | 0.73% | 0.76% | 0.73% | 0.67% | 0.40% | 0.25% | 0.26% | -47 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 21.81% | 21.48% | 20.54% | 21.15% | 21.54% | 21.03% | 21.28% | 20.36% | -79 bps | |
| Net Worth / Assets | 21.81% | 21.48% | 20.54% | 21.15% | 21.54% | 21.03% | 21.28% | 20.36% | -79 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 46.90% | 52.68% | 47.83% | 48.12% | 49.40% | 46.31% | 44.24% | 40.47% | -765 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |