Omaha, NE · Charter 66151
Q3 2014
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.48% | 0.70% | 0.64% | -0.72% | -0.06% | 1.38% | 1.61% | 1.17% | +189 bps | |
| Return on Equity | -2.56% | 3.57% | 3.32% | -3.89% | -0.34% | 7.44% | 8.48% | 5.90% | +979 bps | |
| Net Interest Margin | 4.17% | 4.11% | 4.00% | 4.08% | 4.05% | 3.92% | 3.87% | 4.05% | -3 bps | |
| Efficiency Ratio | 111.58% | 83.07% | 84.08% | 117.51% | 101.57% | 64.73% | 58.49% | 71.10% | -4,641 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.57% | -5.70% | -1.86% | -1.34% | 1.55% | 4.87% | 3.22% | -0.97% | +37 bps | |
| Loan Growth (YoY) | -6.09% | -7.13% | -2.68% | 5.73% | 8.36% | 8.20% | 6.88% | -0.58% | -632 bps | |
| Share Growth (YoY) | -4.65% | -6.02% | -1.18% | 0.88% | 2.24% | 6.03% | 3.57% | -2.66% | -353 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.03% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 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 | 1.00% | 0.97% | 0.93% | 0.89% | 1.00% | 1.03% | 0.99% | 1.03% | +14 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 18.90% | 19.49% | 19.19% | 18.39% | 18.46% | 18.61% | 18.94% | 19.84% | +145 bps | |
| Net Worth / Assets | 18.90% | 19.49% | 19.19% | 18.39% | 18.46% | 18.61% | 18.94% | 19.84% | +145 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 79.12% | 79.48% | 81.19% | 84.19% | 83.86% | 81.10% | 83.79% | 85.98% | +179 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |