Saint Louis, MO · Cert 1081
FDIC
Q2 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2010, the quarter ended June 30, 2010, 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 1081
FDIC
Q2 2010
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 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.54% | 0.31% | 0.49% | 0.34% | 0.37% | 0.32% | 0.24% | -0.16% | -51 bps | |
| Return on Equity | 3.35% | 1.99% | 3.49% | 2.45% | 2.61% | 2.25% | 1.58% | -1.03% | -347 bps | |
| Net Interest Margin | 2.13% | 2.09% | 2.16% | 2.14% | 2.03% | 2.08% | 2.08% | 2.22% | +8 bps | |
| Efficiency Ratio | 41.36% | 41.49% | 39.27% | 46.84% | 47.27% | 46.84% | 55.19% | 52.84% | +600 bps | |
| Non-Interest Burden | 0.83% | 0.83% | 0.76% | 0.95% | 0.92% | 0.93% | 1.13% | 1.14% | +19 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 47.04% | 37.31% | 39.47% | 11.88% | 4.94% | -0.06% | -9.60% | -16.16% | -2,805 bps | |
| Loan Growth (YoY) | 11.41% | 6.64% | -0.73% | -0.94% | -0.59% | -3.83% | -6.68% | -8.31% | -737 bps | |
| Deposit Growth (YoY) | 93.49% | 51.66% | 40.47% | 16.45% | 5.96% | 0.88% | 0.24% | -18.04% | -3,449 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 | 0.56% | 1.03% | 1.14% | 1.08% | 0.97% | 1.50% | 3.31% | 2.12% | +104 bps | |
| Allowance / Loans | 1.28% | 1.50% | 1.52% | 1.62% | 1.59% | 1.52% | 1.06% | 1.85% | +23 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 | 11.75% | 11.89% | 12.02% | 12.46% | 12.68% | 13.31% | 13.51% | 14.43% | +196 bps | |
| Equity / Assets | 14.32% | 14.38% | 13.77% | 14.05% | 14.13% | 14.83% | 15.55% | 17.00% | +295 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 67.43% | 66.17% | 67.81% | 61.85% | 63.27% | 63.08% | 63.13% | 69.18% | +734 bps | |
| Liquid Assets / Assets | 0.00% | 0.01% | 0.04% | 3.93% | 4.26% | 5.42% | 5.64% | 0.93% | -300 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |