St. Louis, MO · Charter 1854
Q1 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2004, the quarter ended March 31, 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.
St. Louis, MO · Charter 1854
Q1 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 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.06% | 0.78% | 0.72% | 0.26% | 0.28% | 0.26% | 0.31% | -5.23% | -549 bps | |
| Return on Equity | 9.24% | 7.25% | 6.09% | 2.47% | 2.63% | 2.44% | 2.84% | -50.49% | -5,296 bps | |
| Net Interest Margin | 3.67% | 3.44% | 3.79% | 2.96% | 3.20% | 3.27% | 3.33% | 2.32% | -63 bps | |
| Efficiency Ratio | 69.32% | 73.48% | 75.63% | 81.85% | 81.92% | 82.29% | 81.86% | 147.89% | +6,603 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 13.35% | 29.80% | 9.08% | 22.77% | 10.03% | 1.53% | 10.15% | 0.59% | -2,217 bps | |
| Loan Growth (YoY) | 4.09% | 0.26% | -12.50% | -3.83% | 1.79% | -2.90% | -0.65% | -1.64% | +220 bps | |
| Share Growth (YoY) | 12.95% | 35.07% | 10.07% | 26.73% | 10.97% | 1.71% | 11.61% | 0.92% | -2,581 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.12% | 1.81% | 2.36% | 3.45% | 1.35% | 1.71% | 1.75% | 1.84% | -161 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 | 1.69% | 1.48% | 1.66% | 1.77% | 1.76% | 1.77% | 1.73% | 4.13% | +236 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.46% | 10.70% | 11.84% | 10.52% | 10.72% | 10.81% | 11.06% | 10.36% | -15 bps | |
| Net Worth / Assets | 11.46% | 10.70% | 11.84% | 10.52% | 10.72% | 10.81% | 11.06% | 10.36% | -15 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 69.67% | 68.99% | 71.69% | 59.87% | 63.91% | 65.86% | 63.81% | 58.36% | -151 bps | |
| Liquid Assets / Assets | 37.02% | 32.67% | 35.40% | 45.34% | 41.57% | 39.82% | 41.80% | 47.53% | +219 bps | |