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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.94% | 0.88% | 0.53% | 0.32%1 | -4.75% | -570 bps | |
| Return on Equity | 11.72% | 10.36% | 5.89% | 3.46% | -52.45% | -6,417 bps | |
| Net Interest Margin | 2.70% | 2.85% | 2.90% | 2.96% | 2.94% | +24 bps | |
| Efficiency Ratio | 75.90% | 70.93% | 82.88% | 94.15% | 286% | +20,972 bps | |
| Non-Interest Burden | 2.00% | 1.96% | 2.36% | 2.78% | 7.14% | +514 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -10.95% | -14.06% | -9.28% | -9.64% | -11.05% | -10 bps | |
| Loan Growth (YoY) | -7.35% | -4.36% | -7.43% | -7.15% | -6.77% | +58 bps | |
| Deposit Growth (YoY) | -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 bps | |
| Net Charge-Offs / Loans | 2.27% | -0.01% | 0.02% | 1.00% | 0.20% | -207 bps | |
| Allowance / Loans | 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 |
| Capital | |||||||
| Tier 1 Leverage Ratio | 7.35% | 7.97% | 8.24% | 8.62% | 7.73% | +38 bps | |
| Total Risk-Based Capital | 11.13% | 11.63% | 11.80% | 12.04% | 11.14% | +1 bps | |
| Equity / Assets | 8.06% | 8.88% | 9.07% | 9.45% | 8.67% | +60 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 73.94% | 76.91% | 78.21% | 80.88% | 79.82% | +589 bps | |
| Liquid Assets / Assets | 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 |