Saint Louis, MO · Cert 1067
FDIC · 5 branches
Q2 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2016, the quarter ended June 30, 2016, 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.
Saint Louis, MO · Cert 1067
FDIC · 5 branches
Q2 2016
Market Position · St. Louis, MO-IL · 2016 SOD (annual) · 0.1% share · #67 of 132 inst. · $0.1B of $95.1B
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 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -5.58% | -4.15% | 1.09% | 1.01% | 0.97% | 0.86% | 0.32%1 | -2.19% | -320 bps | |
| Return on Equity | -59.68% | -46.33% | 14.29% | 13.07% | 12.11% | 10.52% | 3.46% | -24.12% | -3,719 bps | |
| Net Interest Margin | 2.49% | 2.64% | 2.80% | 2.74% | 2.85% | 2.92% | 2.96% | 2.99% | +25 bps | |
| Efficiency Ratio | 286% | 238% | 72.92% | 74.40% | 73.24% | 75.64% | 94.15% | 179.00% | +10,460 bps | |
| Non-Interest Burden | 7.36% | 6.45% | 2.00% | 1.99% | 2.04% | 2.16% | 2.78% | 4.99% | +300 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.04% | -9.04% | -11.06% | -10.95% | -14.06% | -9.28% | -9.64% | -11.05% | -10 bps | |
| Loan Growth (YoY) | -4.99% | -2.41% | -4.35% | -7.35% | -4.36% | -7.43% | -7.15% | -6.77% | +58 bps | |
| Deposit Growth (YoY) | -3.99% | -6.58% | -8.40% | -9.08% | -13.64% | -12.41% | -12.68% | -13.65% | -457 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 | 1.04% | 0.78% | -0.05% | 1.11% | 0.75% | 0.57% | 1.00% | 0.63% | -48 bps | |
| Allowance / Loans | 2.31% | 2.22% | 2.24% | 1.79% | 1.83% | 1.83% | 1.63% | 1.91% | +12 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 | 7.32% | 7.35% | 7.97% | 8.24% | 8.62% | 7.73% | +38 bps | |
| Total Risk-Based Capital | 10.17% | 10.27% | 10.73% | 11.13% | 11.63% | 11.80% | 12.04% | 11.14% | +1 bps | |
| Equity / Assets | 6.53% | 7.21% | 8.01% | 8.06% | 8.88% | 9.07% | 9.45% | 8.67% | +60 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 69.45% | 74.00% | 76.06% | 73.94% | 76.91% | 78.21% | 80.88% | 79.82% | +589 bps | |
| Liquid Assets / Assets | 7.41% | 2.30% | 2.90% | 4.93% | 1.28% | 1.42% | 2.00% | 3.04% | -188 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |