PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

UMB U.S.A., National Association

Falls City, NE · Cert 34170

FDIC

Q2 2004

$120.6MAssets
$116.1MLoans
$542KDeposits
$25.9MEquity
Deposit mix
0%Interest-bearing $0K100%Noninterest $542KQ2 2003Q2 2004

NIM

12.02%Q2 ’0211.41%Q2 ’0312.24%Q2 ’04-2%+10%

Non-interest income vs. expense

6.77%Q2 ’026.27%Q2 ’035.12%Q2 ’04-1922%+183%

Executive Summary

  • Earnings: ROA of 4.62%, down 50 bps year over year; NIM at 11.43%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 3.40%.
  • Funding: loans stand at 21422.69% of deposits as of Q2 2004.

Financial Results

Return on Assets (YTD, annualized)

4.62%-50 bps YoY

Net Interest Margin (YTD, annualized)

11.43%+107 bps YoY

Efficiency Ratio (YTD, annualized)

32.68%-280 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2003Q3 2003Q4 2003Q1 2004Q2 2004YoY ΔTrend
Earnings
Return on Assets5.13%5.12%5.00%4.19%4.62%-50 bps
Return on Equity32.47%32.41%30.39%20.56%22.31%-1,016 bps
Net Interest Margin10.36%10.18%12.99%11.44%11.43%+107 bps
Efficiency Ratio35.48%35.74%34.33%36.57%32.68%-280 bps
Non-Interest Burden-1.05%-1.14%-1.12%1.60%0.88%+193 bps
Growth
Asset Growth (YoY)0.17%-0.95%-23.01%-25.85%-26.72%-2,689 bps
Loan Growth (YoY)-0.86%-0.25%-24.63%-25.77%-26.97%-2,611 bps
Deposit Growth (YoY)-15.77%4.71%-26.79%-6.03%1.50%+1,727 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans3.38%3.21%3.99%3.52%3.40%+2 bps
Allowance / Loans2.04%2.04%2.21%2.34%2.35%+30 bps
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 Capital17.11%17.01%21.09%22.17%22.78%+567 bps
Equity / Assets15.89%15.78%19.79%20.98%21.46%+557 bps
Liquidity & Funding
Loans / Deposits29772%27625%22821%20729%21423%-834,978 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/a