Omaha, NE · Charter 66033
Q4 1998
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 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.98% | 3.33% | 3.58% | 3.62% | 3.30% | 3.48% | 2.20% | 0.46% | -315 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | n/a | n/a | -2.61% | -3.68% | -6.91% | -7.93% | -7.21% | -10.94% | -725 bps | |
| Loan Growth (YoY) | n/a | n/a | 11.53% | 8.78% | 3.32% | -6.24% | -14.63% | -22.77% | -3,155 bps | |
| Share Growth (YoY) | n/a | n/a | -3.73% | -4.85% | -4.65% | -7.78% | -7.57% | -8.91% | -407 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.81% | 0.75% | 2.98% | 1.41% | 2.65% | 5.43% | 5.16% | 2.05% | +64 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 | 1.02% | 1.17% | 1.15% | 0.47% | 0.67% | 0.46% | 0.31% | 0.57% | +10 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 65.38% | 67.60% | 66.65% | 69.07% | 70.85% | 68.73% | 61.56% | 58.56% | -1,051 bps | |
| Liquid Assets / Assets | 6.46% | 4.57% | 10.78% | 10.79% | 14.55% | 21.53% | 26.65% | 31.69% | +2,090 bps | |