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

11.36%Q2 ’0210.99%Q2 ’0311.97%Q2 ’04+0%+12%

Non-interest income vs. expense

6.84%Q2 ’025.85%Q2 ’034.45%Q2 ’04-1335%+107%

Executive Summary

  • Earnings: ROA of 5.13%, down 21 bps year over year; NIM at 11.17%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 3.28%.
  • Funding: loans stand at 21422.69% of deposits as of Q2 2004.

Financial Results

Return on Assets (quarter, annualized)

5.13%-21 bps YoY

Net Interest Margin (quarter, annualized)

11.17%+122 bps YoY

Efficiency Ratio (quarter, annualized)

28.70%-479 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ2 2003Q3 2003Q4 2003Q1 2004Q2 2004YoY ΔTrend
Earnings
Return on Assets5.34%5.10%4.22%4.19%5.13%-21 bps
Return on Equity33.61%32.23%24.07%20.56%24.17%-944 bps
Net Interest Margin9.95%10.00%11.53%11.44%11.17%+122 bps
Efficiency Ratio33.49%36.25%28.18%36.57%28.70%-479 bps
Non-Interest Burden-1.67%-1.32%0.05%1.60%0.12%+179 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 / Loans3.31%2.90%3.52%3.52%3.28%-4 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