PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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 $0Q1 2005Q4 2006

Executive Summary

  • Earnings: ROA of -6.76%, down 734 bps year over year; NIM at -27.93%.

Return on Assets (quarter, annualized)

-6.76%-734 bps YoY

Net Interest Margin (quarter, annualized)

-27.93%-3,069 bps YoY

Efficiency Ratio (quarter, annualized)

n/a

Tier 1 Leverage Ratio

n/a
n/a

NIM

1.91%Q4 ’042.76%Q4 ’05-27.93%Q4 ’06+45%-1112%

Non-interest income vs. expense

20.56%Q4 ’0422.96%Q4 ’05-238%Q4 ’06+137%-529%

Discrete quarter, annualized.

MetricQ1 2005Q2 2005Q3 2005Q4 2005Q1 2006Q2 2006Q3 2006Q4 2006YoY ΔTrend
Earnings
Return on Assets0.87%0.74%0.89%0.58%0.73%0.88%3.48%-6.76%-734 bps
Return on Equity1.12%0.93%1.11%0.74%0.92%1.10%4.38%-7.65%-839 bps
Net Interest Margin1.90%2.37%2.14%2.76%2.77%3.22%4.33%-27.93%-3,069 bps
Efficiency Ratio95.58%95.27%95.83%95.76%95.35%95.87%88.93%n/an/a
Non-Interest Burden0.44%1.18%0.71%1.74%1.61%1.76%0.43%-7.47%-922 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/an/an/an/an/an/an/an/an/an/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 / Loansn/an/an/an/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capital374%381%373%361%371%369%339%504%+14,303 bps
Equity / Assets78.81%80.29%79.22%79.13%80.25%79.68%79.22%99.95%+2,082 bps
Liquidity & Funding
Loans / Deposits0.00%0.00%0.00%0.00%0.00%0.00%0.00%n/an/a
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a