Omaha, NE · Cert 5457
FDIC
Q3 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2003, the quarter ended September 30, 2003, 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 5457
FDIC
Q3 2003
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 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.74% | 0.62% | 0.65% | 0.45% | 0.28% | -45 bps | |
| Return on Equity | 5.31% | 4.55% | 4.75% | 3.31% | 2.11% | -319 bps | |
| Net Interest Margin | 3.10% | 2.93% | 2.34% | 2.18% | 2.11% | -100 bps | |
| Efficiency Ratio | 76.36% | 79.30% | 78.74% | 84.48% | 89.98% | +1,362 bps | |
| Non-Interest Burden | 1.98% | 2.00% | 1.39% | 1.55% | 1.73% | -26 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.87% | 0.27% | -2.62% | 0.79% | -5.34% | -247 bps | |
| Loan Growth (YoY) | -24.64% | -23.29% | -23.40% | -16.95% | -19.12% | +551 bps | |
| Deposit Growth (YoY) | 0.12% | 4.86% | -0.87% | 4.93% | -2.22% | -234 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.17% | 0.26% | 0.12% | 0.14% | 0.13% | -4 bps | |
| Allowance / Loans | 1.92% | 1.97% | 2.05% | 2.21% | 2.33% | +40 bps | |
| Allowance Coverage of NPLs | 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 |
| Total Risk-Based Capital | 18.62% | 17.85% | 19.91% | 20.24% | 19.00% | +38 bps | |
| Equity / Assets | 13.91% | 13.22% | 13.98% | 13.51% | 12.89% | -102 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 61.02% | 56.64% | 56.86% | 52.08% | 50.47% | -1,055 bps | |
| Liquid Assets / Assets | 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 |