Saint Louis, MO · Cert 1078
FDIC
Q2 2004
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.31% | 1.23% | 1.20% | 1.25% | 1.22% | 1.14% | 0.66% | -0.22% | -146 bps | |
| Return on Equity | 13.33% | 12.65% | 12.37% | 12.04% | 11.17% | 10.30% | 5.90% | -1.40% | -1,343 bps | |
| Net Interest Margin | 3.65% | 3.39% | 3.28% | 3.39% | 3.38% | 3.29% | 3.00% | -0.67% | -407 bps | |
| Efficiency Ratio | 47.18% | 51.66% | 52.49% | 50.83% | 49.21% | 50.22% | 52.88% | 76.23% | +2,540 bps | |
| Non-Interest Burden | 1.31% | 1.45% | 1.50% | 1.47% | 1.40% | 1.33% | 1.30% | 0.23% | -124 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 61.36% | 19.68% | 23.42% | 18.77% | 16.45% | 7.07% | 7.02% | 15.47% | -329 bps | |
| Loan Growth (YoY) | 54.99% | 27.30% | 26.38% | 21.71% | 19.34% | 9.61% | 12.83% | 12.30% | -942 bps | |
| Deposit Growth (YoY) | 60.26% | 13.94% | 22.15% | 21.58% | 14.44% | 1.68% | 5.04% | -3.75% | -2,533 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 | 0.49% | 0.47% | 0.40% | 0.09% | 0.29% | 0.85% | 0.74% | -0.53% | -62 bps | |
| Allowance / Loans | 1.11% | 1.11% | 1.11% | 1.14% | 1.15% | 1.07% | 1.10% | 1.06% | -8 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 | 10.33% | 10.63% | 10.63% | 12.25% | 12.08% | 12.03% | 11.98% | 10.28% | -197 bps | |
| Equity / Assets | 9.79% | 9.70% | 9.69% | 11.00% | 10.91% | 11.19% | 11.29% | 19.13% | +813 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 99.46% | 100.23% | 97.96% | 99.52% | 103.72% | 108.05% | 105.23% | 116.12% | +1,660 bps | |
| Liquid Assets / Assets | 1.17% | 0.82% | 0.55% | 0.49% | 0.45% | 0.38% | 0.33% | 0.00% | -49 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |