Omaha, NE · Charter 24727
Q3 2006
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 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.32% | -1.14% | -1.30% | -0.55% | -0.05% | 0.61% | 0.48% | -2.54% | -199 bps | |
| Return on Equity | -8.39% | -7.50% | -8.14% | -3.23% | -0.25% | 3.28% | 2.43% | -13.16% | -993 bps | |
| Net Interest Margin | 3.87% | 3.44% | 3.84% | 4.05% | 4.30% | 4.07% | 4.24% | 4.55% | +50 bps | |
| Efficiency Ratio | 105.73% | 110.27% | 107.72% | 98.89% | 96.60% | 89.69% | 92.21% | 138.78% | +3,989 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | n/a | n/a | n/a | -11.36% | -16.24% | -17.03% | -13.95% | -17.69% | -633 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | -14.69% | -22.37% | -22.37% | -22.32% | -28.34% | -1,366 bps | |
| Share Growth (YoY) | n/a | n/a | n/a | -10.65% | -17.76% | -18.87% | -16.51% | -19.60% | -895 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 7.81% | 4.25% | 2.86% | 1.73% | 5.27% | 5.51% | 6.89% | 10.35% | +862 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 | 6.66% | 4.68% | 5.82% | 5.56% | 5.08% | 5.60% | 5.27% | 5.89% | +33 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.76% | 15.18% | 16.01% | 17.11% | 18.77% | 18.74% | 19.55% | 19.33% | +222 bps | |
| Net Worth / Assets | 15.76% | 15.18% | 16.01% | 17.11% | 18.77% | 18.74% | 19.55% | 19.33% | +222 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 35.29% | 31.88% | 30.97% | 32.54% | 33.31% | 30.51% | 28.82% | 29.00% | -354 bps | |
| Liquid Assets / Assets | 15.00% | 22.58% | 30.18% | 21.91% | 25.58% | 32.94% | 0.00% | 0.00% | -2,191 bps | |