Omaha, NE · Cert 26427
FDIC
Q3 2008
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 8.99% | 8.12% | 0.93% | 10.53% | 9.52% | 0.77% | 4.74% | 3.53% | -700 bps | |
| Return on Equity | 17.35% | 15.72% | 1.72% | 18.90% | 19.07% | 1.71% | 10.01% | 7.23% | -1,166 bps | |
| Net Interest Margin | 0.56% | 0.45% | 0.00% | 0.12% | -0.39% | 0.87% | 1.28% | 1.27% | +116 bps | |
| Efficiency Ratio | 82.41% | 81.60% | 95.46% | 82.03% | 80.43% | 91.55% | 86.58% | 88.91% | +689 bps | |
| Non-Interest Burden | -5.85% | -5.73% | -1.45% | -6.46% | -5.44% | -1.40% | -2.54% | -1.65% | +481 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.32% | -42.69% | -44.51% | -1.44% | 17.42% | 17.18% | 15.99% | 16.48% | +1,792 bps | |
| Loan Growth (YoY) | -1.72% | -1.88% | -1.82% | -0.08% | -0.74% | -1.23% | -3.62% | -3.81% | -373 bps | |
| Deposit Growth (YoY) | -0.58% | -3.82% | 5.92% | 2.91% | 3.72% | 5.56% | -1.68% | -0.56% | -347 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 | 1.35% | 2.32% | 2.44% | 0.11% | 0.52% | 5.53% | 3.09% | 3.70% | +359 bps | |
| Allowance / Loans | 7.54% | 8.01% | 7.87% | 8.17% | 7.80% | 8.32% | 8.38% | 8.49% | +32 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 | 52.60% | 58.15% | 54.64% | 60.57% | 44.66% | 60.44% | 62.51% | 64.48% | +391 bps | |
| Equity / Assets | 49.28% | 54.18% | 54.04% | 57.44% | 43.92% | 46.74% | 48.06% | 49.42% | -802 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 1506% | 1439% | 1375% | 1375% | 1442% | 1347% | 1348% | 1330% | -4,484 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |