St. Louis, MO · Charter 17682
Q3 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2002, the quarter ended September 30, 2002, 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.
St. Louis, MO · Charter 17682
Q3 2002
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 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.74% | 0.92% | -0.07% | -0.10% | -0.10% | -0.10% | -0.61% | -0.40% | -31 bps | |
| Return on Equity | n/a | n/a | n/a | -0.45% | -0.50% | -0.52% | -3.18% | -2.12% | -167 bps | |
| Net Interest Margin | n/a | 4.53% | 4.93% | 4.80% | 4.42% | 4.06% | 3.42% | 2.28% | -252 bps | |
| Efficiency Ratio | n/a | 79.35% | 87.25% | 88.34% | 96.92% | 95.51% | 103.00% | 103.00% | +1,466 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.69% | 1.14% | 0.63% | -2.20% | -0.27% | 0.80% | 8.75% | 9.07% | +1,127 bps | |
| Loan Growth (YoY) | 1.02% | -10.23% | -0.56% | -3.42% | -3.05% | -19.95% | -25.68% | -23.17% | -1,975 bps | |
| Share Growth (YoY) | -0.02% | -0.66% | -0.66% | -3.93% | -1.22% | 1.27% | 11.99% | 12.30% | +1,623 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.62% | 1.62% | 2.49% | 1.26% | 1.20% | 1.61% | 3.82% | 3.82% | +257 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 | 0.87% | 0.60% | 0.88% | 0.55% | 0.73% | 0.80% | 0.88% | 0.88% | +33 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | 21.22% | 20.94% | 19.95% | 19.02% | 19.02% | -221 bps | |
| Net Worth / Assets | n/a | n/a | n/a | 21.22% | 20.94% | 19.95% | 19.02% | 19.02% | -221 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 103.52% | 102.36% | 112.04% | 108.68% | 101.60% | 80.91% | 74.35% | 74.35% | -3,432 bps | |
| Liquid Assets / Assets | 13.13% | 0.00% | 3.32% | 12.32% | 18.61% | 34.04% | 38.61% | 38.61% | +2,630 bps | |