Maplewood, MO · Cert 14764
FDIC
Q2 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 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.85% | 0.78% | 0.77% | 0.77% | 0.77% | 0.77% | 0.97% | -0.10% | -87 bps | |
| Return on Equity | 11.60% | 10.69% | 10.88% | 10.69% | 10.64% | 10.63% | 13.73% | -0.94% | -1,163 bps | |
| Net Interest Margin | 2.69% | 2.70% | 2.94% | 2.86% | 2.70% | 2.69% | 2.70% | 0.38% | -247 bps | |
| Efficiency Ratio | 67.89% | 69.21% | 66.25% | 66.47% | 66.44% | 65.12% | 55.75% | 127.81% | +6,134 bps | |
| Non-Interest Burden | 1.60% | 1.67% | 1.81% | 1.76% | 1.66% | 1.62% | 1.25% | 0.75% | -101 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 36.81% | 36.03% | 26.80% | 29.83% | 25.63% | 18.06% | 17.11% | 18.11% | -1,172 bps | |
| Loan Growth (YoY) | 38.38% | 26.18% | 16.43% | 19.69% | 27.05% | 30.59% | 35.02% | 25.81% | +612 bps | |
| Deposit Growth (YoY) | 38.79% | 37.46% | 27.39% | 29.73% | 25.60% | 19.00% | 22.64% | 3.41% | -2,631 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 | 0.00% | 0.00% | -0.02% | -0.01% | 0.00% | 0.00% | 0.00% | 0.00% | +1 bps | |
| Allowance / Loans | 0.72% | 0.73% | 0.74% | 0.72% | 0.67% | 0.66% | 0.64% | 0.51% | -21 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 | 10.42% | 10.77% | 11.29% | 11.78% | 11.02% | 10.34% | 10.04% | 11.01% | -77 bps | |
| Equity / Assets | 7.25% | 7.15% | 6.97% | 7.42% | 7.52% | 7.10% | 7.07% | 17.61% | +1,019 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 80.26% | 75.43% | 77.16% | 74.66% | 81.19% | 82.77% | 84.95% | 90.83% | +1,617 bps | |
| Liquid Assets / Assets | 0.10% | 0.09% | 0.07% | 0.07% | 0.07% | 0.07% | 0.06% | 0.06% | -1 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |