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Pier 1 National Bank

Omaha, NE · Cert 33956

FDIC

Q4 2006

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2006, the quarter ended December 31, 2006, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Pier 1 National Bank

Omaha, NE · Cert 33956

FDIC

Q4 2006

$2.2MAssets
n/aLoans
n/aDeposits
$2.2MEquity
Deposit mix
0%Interest-bearing $0100%Noninterest $0Q4 2005Q4 2006

NIM

1.14%Q4 ’042.29%Q4 ’050.00%Q4 ’06+101%-100%

Non-interest income vs. expense

25.84%Q4 ’0427.79%Q4 ’050.69%Q4 ’06+1485%-32%

Executive Summary

  • Earnings: ROA of -0.27%, down 104 bps year over year; NIM at 0.00%.

Financial Results

Return on Assets (YTD, annualized)

-0.27%-104 bps YoY

Net Interest Margin (YTD, annualized)

0.00%-229 bps YoY

Efficiency Ratio (YTD, annualized)

n/a

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2005Q1 2006Q2 2006Q3 2006Q4 2006YoY ΔTrend
Earnings
Return on Assets0.77%0.73%0.81%1.70%-0.27%-104 bps
Return on Equity0.97%0.92%1.01%2.14%-0.32%-129 bps
Net Interest Margin2.29%2.77%3.00%3.41%0.00%-229 bps
Efficiency Ratio95.63%95.35%95.65%93.16%n/an/a
Non-Interest Burden1.02%1.61%1.68%1.25%0.69%-33 bps
Growth
Asset Growth (YoY)-0.47%-0.88%1.75%1.79%-20.10%-1,963 bps
Loan Growth (YoY)n/an/an/an/an/an/an/a
Deposit Growth (YoY)0.00%0.00%0.00%0.00%-100.00%-10,000 bps
Asset Quality
Nonperforming Loans / Loansn/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital361%371%369%339%504%+14,303 bps
Equity / Assets79.13%80.25%79.68%79.22%99.95%+2,082 bps
Liquidity & Funding
Loans / Deposits0.00%0.00%0.00%0.00%n/an/a
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/a