Omaha, NE · Cert 34470
FDIC
Q3 2004
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.43% | 1.43% | 1.21% | 1.11% | 0.80% | 0.90% | 0.67% | 0.53% | -58 bps | |
| Return on Equity | 19.90% | 19.96% | 15.96% | 14.78% | 10.97% | 12.55% | 9.29% | 6.57% | -821 bps | |
| Net Interest Margin | 4.65% | 4.10% | 3.93% | 3.75% | 3.61% | 3.23% | 3.07% | 2.76% | -99 bps | |
| Efficiency Ratio | 59.11% | 53.85% | 56.12% | 60.63% | 61.89% | 61.42% | 68.63% | 72.99% | +1,236 bps | |
| Non-Interest Burden | 2.31% | 1.70% | 1.78% | 1.93% | 2.19% | 1.74% | 1.90% | 1.81% | -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 | 0.01% | 0.09% | 0.00% | 0.10% | 0.14% | -0.02% | 0.06% | -0.03% | -13 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 |