Omaha, NE · Charter 65420
Q3 2005
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.77% | 0.85% | 0.58% | 0.62% | 0.59% | 0.29% | 0.25% | 0.27% | -35 bps | |
| Return on Equity | 7.59% | 8.66% | 5.85% | 6.07% | 5.89% | 2.83% | 2.43% | 2.60% | -347 bps | |
| Net Interest Margin | 2.38% | 2.22% | 2.22% | 2.23% | 2.12% | 1.91% | 1.93% | 1.90% | -32 bps | |
| Efficiency Ratio | 65.05% | 62.50% | 70.27% | 70.15% | 70.73% | 82.84% | 83.53% | 81.95% | +1,180 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.83% | 5.13% | 3.97% | 7.78% | 7.97% | 2.56% | 1.58% | 2.94% | -483 bps | |
| Loan Growth (YoY) | -8.22% | -9.30% | -4.99% | 2.92% | 6.18% | 10.28% | 15.68% | 17.37% | +1,445 bps | |
| Share Growth (YoY) | -10.37% | 2.25% | -0.19% | -1.54% | 0.72% | 5.23% | 6.04% | 7.47% | +900 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.40% | 0.45% | 0.26% | 0.24% | 0.29% | 0.26% | 1.05% | 0.66% | +42 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 | 0.29% | 0.29% | 0.34% | 0.34% | 0.31% | 0.34% | 0.37% | 0.39% | +5 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.14% | 9.85% | 9.94% | 10.17% | 9.98% | 10.10% | 10.22% | 10.22% | +5 bps | |
| Net Worth / Assets | 10.14% | 9.85% | 9.94% | 10.17% | 9.98% | 10.10% | 10.22% | 10.22% | +5 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 81.11% | 77.81% | 78.55% | 84.71% | 85.51% | 81.55% | 85.70% | 92.52% | +781 bps | |
| Liquid Assets / Assets | 32.44% | 33.12% | 29.84% | 27.55% | 23.35% | 21.11% | 23.24% | 21.01% | -653 bps | |