Omaha, NE · Cert 34470
FDIC
Q3 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2004, the quarter ended September 30, 2004, 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 34470
FDIC
Q3 2004
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 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.30% | 1.43% | 1.31% | 1.25% | 1.14% | 0.90% | 0.79% | 0.72% | -53 bps | |
| Return on Equity | 16.37% | 19.96% | 17.93% | 16.98% | 15.62% | 12.55% | 10.90% | 9.43% | -755 bps | |
| Net Interest Margin | 4.33% | 4.10% | 4.08% | 3.94% | 3.94% | 3.23% | 3.16% | 3.21% | -73 bps | |
| Efficiency Ratio | 59.12% | 53.85% | 54.94% | 56.72% | 57.74% | 61.42% | 64.95% | 67.35% | +1,063 bps | |
| Non-Interest Burden | 2.17% | 1.70% | 1.76% | 1.81% | 1.94% | 1.74% | 1.83% | 1.92% | +12 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.77% | 6.99% | 6.89% | 3.79% | -8.27% | -1.56% | -3.66% | -20.71% | -2,449 bps | |
| Loan Growth (YoY) | 12.52% | 7.69% | 5.80% | 4.15% | -7.55% | -1.14% | -1.03% | -20.99% | -2,514 bps | |
| Deposit Growth (YoY) | 64.98% | 55.53% | 13.73% | -2.93% | -17.40% | -16.47% | -13.46% | -25.90% | -2,297 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.09% | 0.04% | 0.06% | 0.08% | -0.02% | 0.02% | 0.01% | -5 bps | |
| Allowance / Loans | 0.83% | 0.90% | 0.91% | 0.93% | 0.96% | 0.99% | 0.96% | 1.24% | +31 bps | |
| 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 | 12.54% | 13.47% | 12.91% | 12.23% | 10.98% | 10.36% | 10.02% | 10.71% | -153 bps | |
| Equity / Assets | 6.74% | 7.62% | 7.55% | 7.48% | 7.09% | 7.27% | 7.24% | 9.22% | +174 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 333% | 329% | 358% | 356% | 373% | 390% | 409% | 379% | +2,353 bps | |
| 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 |