Omaha, NE · Charter 64694
Q1 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2006, the quarter ended March 31, 2006, 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 · Charter 64694
Q1 2006
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 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.16% | 0.23% | 0.29% | -0.22% | -0.09% | 0.01% | 0.10% | -0.10% | +12 bps | |
| Return on Equity | 1.53% | 2.07% | 2.60% | -2.00% | -0.87% | 0.12% | 0.89% | -0.85% | +115 bps | |
| Net Interest Margin | 3.79% | 3.88% | 3.86% | 3.68% | 3.76% | 3.75% | 3.99% | 3.83% | +15 bps | |
| Efficiency Ratio | 93.38% | 92.83% | 91.30% | 104.70% | 101.96% | 99.62% | 97.39% | 99.95% | -475 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.42% | -1.46% | -1.10% | -2.05% | -1.94% | 1.25% | -3.88% | -4.73% | -269 bps | |
| Loan Growth (YoY) | -11.12% | -12.03% | -5.66% | -2.87% | 0.16% | 5.02% | 2.68% | 1.46% | +433 bps | |
| Share Growth (YoY) | 0.13% | -1.98% | -1.75% | -1.97% | -2.17% | -1.79% | -7.17% | -11.27% | -930 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.69% | 0.61% | 0.34% | 0.20% | 0.21% | 0.47% | 0.45% | 0.35% | +15 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 | 0.16% | 0.20% | 0.22% | 0.21% | 0.18% | 0.14% | 0.19% | 0.10% | -11 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.66% | 10.97% | 10.99% | 10.85% | 10.92% | 10.85% | 11.54% | 11.55% | +70 bps | |
| Net Worth / Assets | 10.66% | 10.97% | 10.99% | 10.85% | 10.92% | 10.85% | 11.54% | 11.55% | +70 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 60.38% | 60.06% | 61.55% | 61.21% | 61.82% | 64.22% | 68.08% | 69.99% | +878 bps | |
| Liquid Assets / Assets | 14.64% | 15.80% | 13.37% | 17.00% | 15.32% | 15.60% | 36.51% | 36.77% | +1,978 bps | |