Omaha, NE · Cert 8327
FDIC
Q4 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2006, the quarter ended December 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 · Cert 8327
FDIC
Q4 2006
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.25% | 1.23% | 1.22% | 1.22% | 1.01% | 0.54% | 0.73% | 0.68% | -54 bps | |
| Return on Equity | 14.99% | 14.74% | 14.50% | 14.39% | 11.88% | 6.39% | 8.63% | 8.04% | -635 bps | |
| Net Interest Margin | 4.02% | 3.96% | 3.99% | 4.01% | 3.80% | 3.73% | 3.76% | 3.68% | -33 bps | |
| Efficiency Ratio | 60.65% | 59.12% | 58.88% | 58.56% | 59.26% | 58.42% | 58.22% | 59.15% | +59 bps | |
| Non-Interest Burden | 1.98% | 1.88% | 1.95% | 1.93% | 1.82% | 1.71% | 1.69% | 1.69% | -24 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 14.57% | 15.48% | 11.28% | 9.44% | 8.48% | 3.23% | 5.74% | 5.61% | -383 bps | |
| Loan Growth (YoY) | 15.71% | 18.00% | 13.13% | 11.33% | 10.60% | 3.78% | 5.43% | 2.91% | -842 bps | |
| Deposit Growth (YoY) | 12.41% | 9.74% | 10.27% | 4.91% | 8.65% | 8.89% | 10.27% | 12.21% | +730 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.55% | 0.52% | 0.34% | 0.29% | 0.80% | 1.52% | 1.00% | 0.84% | +55 bps | |
| Allowance / Loans | 1.28% | 1.25% | 1.31% | 1.24% | 1.11% | 1.21% | 1.34% | 1.57% | +32 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 10.03% | 11.13% | 11.85% | 11.78% | 11.29% | 11.45% | 11.68% | 11.50% | -28 bps | |
| Equity / Assets | 8.32% | 8.35% | 8.69% | 8.62% | 8.34% | 8.23% | 8.53% | 8.44% | -18 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 105.21% | 105.00% | 106.62% | 108.17% | 107.10% | 100.06% | 101.94% | 99.21% | -897 bps | |
| Liquid Assets / Assets | 0.11% | 0.02% | 0.01% | 0.01% | 0.01% | 0.01% | 0.01% | 0.01% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |