Creve Coeur, IL · Charter 16837
Q3 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2004, the quarter ended September 30, 2004, 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.
Creve Coeur, IL · Charter 16837
Q3 2004
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.21% | 4.07% | 0.66% | 0.78% | 1.02% | 1.96% | 0.60% | 0.19% | -59 bps | |
| Return on Equity | 1.35% | 24.56% | 4.23% | 4.94% | 6.70% | 12.78% | 3.99% | 1.25% | -369 bps | |
| Net Interest Margin | 2.97% | 2.87% | 2.91% | 2.89% | 2.77% | 2.23% | 1.90% | 1.82% | -107 bps | |
| Efficiency Ratio | 93.64% | 26.12% | 57.94% | 59.89% | 75.03% | 16.34% | 124.03% | 128.87% | +6,898 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 39.20% | 42.30% | 21.40% | 22.93% | 10.28% | 6.19% | 6.11% | 1.68% | -2,125 bps | |
| Loan Growth (YoY) | 8.33% | 15.94% | 1.99% | 12.01% | 4.75% | 7.94% | -13.62% | -30.18% | -4,219 bps | |
| Share Growth (YoY) | 49.40% | 49.55% | 23.76% | 25.82% | 11.29% | 7.95% | 6.97% | 2.25% | -2,357 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 1.83% | 0.24% | 1.32% | +132 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.48% | 1.56% | 1.43% | 1.33% | 1.41% | 0.42% | 0.46% | 0.53% | -80 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.71% | 16.55% | 15.67% | 15.77% | 15.27% | 15.35% | 14.99% | 15.32% | -45 bps | |
| Net Worth / Assets | 15.71% | 16.55% | 15.67% | 15.77% | 15.27% | 15.35% | 14.99% | 15.32% | -45 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 69.45% | 62.14% | 66.31% | 70.55% | 65.37% | 62.14% | 53.54% | 48.18% | -2,237 bps | |
| Liquid Assets / Assets | 41.83% | 47.50% | 41.34% | 39.89% | 43.76% | 46.84% | 52.01% | 56.63% | +1,675 bps | |