Omaha, NE · Charter 64230
Q2 2004
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.74% | 0.71% | 0.63% | 0.44% | 0.23% | 0.18% | -0.02% | -0.30% | -73 bps | |
| Return on Equity | 5.21% | 4.89% | 4.21% | 2.85% | 1.48% | 1.12% | -0.10% | -1.84% | -469 bps | |
| Net Interest Margin | 4.87% | 4.84% | 4.48% | 4.34% | 4.21% | 4.05% | 3.90% | 3.87% | -47 bps | |
| Efficiency Ratio | 83.54% | 84.10% | 83.20% | 89.12% | 93.58% | 96.75% | 100.32% | 104.67% | +1,555 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -19.50% | -19.86% | -11.09% | -7.46% | -5.95% | -6.13% | -3.19% | -6.00% | +146 bps | |
| Loan Growth (YoY) | -41.50% | -33.05% | -27.61% | -20.37% | -22.70% | -22.04% | -22.54% | -20.40% | -3 bps | |
| Share Growth (YoY) | -15.42% | -21.17% | -11.44% | -8.92% | -7.67% | -7.34% | -3.86% | -6.67% | +225 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 11.86% | 11.75% | 13.05% | 12.41% | 9.25% | 7.98% | 9.00% | 8.05% | -436 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 7.78% | 6.48% | 7.33% | 7.04% | 6.40% | 4.32% | 3.80% | 4.17% | -287 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.25% | 14.59% | 14.95% | 15.33% | 15.48% | 15.72% | 15.45% | 16.12% | +78 bps | |
| Net Worth / Assets | 14.25% | 14.59% | 14.95% | 15.33% | 15.48% | 15.72% | 15.45% | 16.12% | +78 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 40.58% | 40.07% | 38.58% | 37.16% | 33.98% | 33.71% | 31.08% | 31.69% | -547 bps | |
| Liquid Assets / Assets | 37.82% | 34.54% | 65.46% | 45.14% | 30.00% | 27.68% | 15.03% | 15.04% | -3,011 bps | |