Saint Louis, MO · Cert 19450
FDIC
Q3 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2009, the quarter ended September 30, 2009, 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 Louis, MO · Cert 19450
FDIC
Q3 2009
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 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.88% | -2.25% | -3.00% | -2.86% | -4.54% | -10.50% | -8.50% | -12.87% | -1,001 bps | |
| Return on Equity | -30.63% | -24.27% | -34.51% | -33.66% | -55.69% | -204% | -202% | -515% | -48,118 bps | |
| Net Interest Margin | 2.91% | 2.96% | 3.16% | 3.30% | 3.56% | 2.83% | 2.95% | 3.14% | -17 bps | |
| Efficiency Ratio | 120.09% | 134.10% | 150.00% | 147.42% | 175.47% | 324% | 208% | 209% | +6,149 bps | |
| Non-Interest Burden | 3.95% | 4.60% | 5.62% | 5.79% | 7.70% | 12.67% | 9.42% | 10.47% | +468 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -26.02% | -24.34% | -19.47% | -21.82% | -23.68% | -22.94% | -22.77% | -24.22% | -241 bps | |
| Loan Growth (YoY) | -18.60% | -18.27% | -16.23% | -16.41% | -19.35% | -20.74% | -23.08% | -20.97% | -455 bps | |
| Deposit Growth (YoY) | -27.68% | -23.37% | -18.23% | -20.61% | -21.71% | -19.61% | -18.40% | -15.16% | +545 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 | 3.43% | 6.56% | 3.41% | 2.38% | 2.69% | 5.24% | 3.23% | 3.58% | +120 bps | |
| Allowance / Loans | 4.02% | 2.90% | 3.04% | 3.51% | 3.49% | 2.72% | 3.79% | 5.61% | +210 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 | 12.45% | 11.66% | 12.27% | 12.20% | 9.75% | 6.46% | 4.55% | -9.47% | -2,168 bps | |
| Equity / Assets | 10.50% | 8.05% | 7.42% | 7.89% | 6.42% | 3.86% | 2.27% | -3.25% | -1,114 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 84.73% | 78.55% | 78.00% | 78.92% | 87.28% | 77.44% | 73.52% | 73.52% | -540 bps | |
| Liquid Assets / Assets | 1.14% | 1.17% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |