Omaha, NE · Cert 33956
FDIC
Q4 2006
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Omaha, NE · Cert 33956
FDIC
Q4 2006
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.87% | 0.81% | 0.83% | 0.77% | 0.73% | 0.81% | 1.70% | -0.27% | -104 bps | |
| Return on Equity | 1.12% | 1.02% | 1.05% | 0.97% | 0.92% | 1.01% | 2.14% | -0.32% | -129 bps | |
| Net Interest Margin | 1.90% | 2.14% | 2.10% | 2.29% | 2.77% | 3.00% | 3.41% | 0.00% | -229 bps | |
| Efficiency Ratio | 95.58% | 95.44% | 95.59% | 95.63% | 95.35% | 95.65% | 93.16% | n/a | n/a | |
| Non-Interest Burden | 0.44% | 0.81% | 0.76% | 1.02% | 1.61% | 1.68% | 1.25% | 0.69% | -33 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.55% | -1.10% | -0.65% | -0.47% | -0.88% | 1.75% | 1.79% | -20.10% | -1,963 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Deposit Growth (YoY) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | -100.00% | -10,000 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| 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 | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| 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 | 374% | 381% | 373% | 361% | 371% | 369% | 339% | 504% | +14,303 bps | |
| Equity / Assets | 78.81% | 80.29% | 79.22% | 79.13% | 80.25% | 79.68% | 79.22% | 99.95% | +2,082 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | n/a | n/a | |
| 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 |