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UMB Bank Omaha, N.A.

Omaha, NE · Cert 34470

FDIC

Q3 2004

$70.6MAssets
$67.9MLoans
$17.9MDeposits
$6.5MEquity
Loan mix
21%RE $2.0M78%C&I $7.4M0%Consumer $0.0MQ3 2003Q3 2004
Deposit mix
61%Interest-bearing $10.9M39%Noninterest $7.0MQ3 2003Q3 2004

NIM

5.83%Q3 ’024.97%Q3 ’034.27%Q3 ’04-10%-19%

Non-interest income vs. expense

3.16%Q3 ’022.80%Q3 ’032.66%Q3 ’04-18%+6%

Executive Summary

  • Earnings: ROA of 0.72%, down 53 bps year over year; NIM at 3.21%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.01%.
  • Funding: loans stand at 379.25% of deposits as of Q3 2004.

Financial Results

Return on Assets (YTD, annualized)

0.72%-53 bps YoY

Net Interest Margin (YTD, annualized)

3.21%-73 bps YoY

Efficiency Ratio (YTD, annualized)

67.35%+1,063 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2003Q4 2003Q1 2004Q2 2004Q3 2004YoY ΔTrend
Earnings
Return on Assets1.25%1.14%0.90%0.79%0.72%-53 bps
Return on Equity16.98%15.62%12.55%10.90%9.43%-755 bps
Net Interest Margin3.94%3.94%3.23%3.16%3.21%-73 bps
Efficiency Ratio56.72%57.74%61.42%64.95%67.35%+1,063 bps
Non-Interest Burden1.81%1.94%1.74%1.83%1.92%+12 bps
Growth
Asset Growth (YoY)3.79%-8.27%-1.56%-3.66%-20.71%-2,449 bps
Loan Growth (YoY)4.15%-7.55%-1.14%-1.03%-20.99%-2,514 bps
Deposit Growth (YoY)-2.93%-17.40%-16.47%-13.46%-25.90%-2,297 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.06%0.08%-0.02%0.02%0.01%-5 bps
Allowance / Loans0.93%0.96%0.99%0.96%1.24%+31 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 Capital12.23%10.98%10.36%10.02%10.71%-153 bps
Equity / Assets7.48%7.09%7.27%7.24%9.22%+174 bps
Liquidity & Funding
Loans / Deposits356%373%390%409%379%+2,353 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