Saint Robert, MO · Cert 19191
FDIC · 3 branches
Q1 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2015, the quarter ended March 31, 2015, 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 Robert, MO · Cert 19191
FDIC · 3 branches
Q1 2015
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 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.63% | 0.63% | 0.67% | 0.57% | 0.21% | 0.35% | 0.44% | 0.62% | +6 bps | |
| Return on Equity | 5.94% | 5.95% | 6.24% | 5.07% | 1.92% | 3.11% | 3.88% | 5.44% | +37 bps | |
| Net Interest Margin | 3.63% | 3.68% | 3.70% | 3.49% | 3.45% | 3.50% | 3.53% | 3.46% | -3 bps | |
| Efficiency Ratio | 76.69% | 76.69% | 75.76% | 79.81% | 92.52% | 87.05% | 84.42% | 78.71% | -111 bps | |
| Non-Interest Burden | 2.62% | 2.66% | 2.63% | 2.67% | 3.18% | 3.01% | 2.92% | 2.59% | -8 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.56% | -0.49% | -3.53% | -1.53% | 0.04% | -1.37% | 2.36% | 3.88% | +541 bps | |
| Loan Growth (YoY) | -1.85% | -3.18% | -6.54% | -7.95% | -3.85% | -0.61% | 6.17% | 8.25% | +1,620 bps | |
| Deposit Growth (YoY) | -3.37% | -0.88% | -3.21% | -1.02% | 0.72% | -1.06% | 1.85% | 3.59% | +461 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 | 0.25% | 0.21% | 0.18% | -0.01% | -0.01% | -0.02% | -0.01% | -0.01% | 0 bps | |
| Allowance / Loans | 1.57% | 1.63% | 1.72% | 1.82% | 1.79% | 1.81% | 1.75% | 1.82% | 0 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 | 11.39% | n/a | n/a |
| Total Risk-Based Capital | 20.24% | 20.38% | 20.93% | 21.18% | 21.04% | 21.29% | 20.81% | 21.15% | -3 bps | |
| Equity / Assets | 10.73% | 10.61% | 11.23% | 11.12% | 11.21% | 11.45% | 11.63% | 11.29% | +17 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 63.85% | 62.38% | 62.17% | 58.28% | 60.95% | 62.66% | 64.81% | 60.90% | +262 bps | |
| Liquid Assets / Assets | 9.93% | 10.92% | 7.58% | 12.35% | 9.63% | 10.50% | 11.72% | 19.08% | +673 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |