Clayton, MO · Cert 19671
FDIC
Q2 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2006, the quarter ended June 30, 2006, 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.
Clayton, MO · Cert 19671
FDIC
Q2 2006
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 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.08% | 1.20% | 1.39% | 1.43% | 1.49% | 1.53% | 0.25% | 0.83% | -60 bps | |
| Return on Equity | 11.54% | 12.86% | 15.00% | 15.49% | 16.04% | 16.39% | 2.60% | 5.80% | -969 bps | |
| Net Interest Margin | 3.60% | 3.60% | 4.04% | 4.06% | 4.07% | 4.08% | 4.32% | 2.02% | -204 bps | |
| Efficiency Ratio | 52.65% | 51.50% | 48.32% | 47.71% | 46.92% | 46.01% | 68.07% | 40.69% | -702 bps | |
| Non-Interest Burden | 1.68% | 1.63% | 1.74% | 1.72% | 1.69% | 1.67% | 2.84% | 0.80% | -91 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 17.50% | 16.79% | 9.12% | 12.70% | 11.40% | 12.90% | 7.94% | 22.91% | +1,020 bps | |
| Loan Growth (YoY) | 17.90% | 16.49% | 14.94% | 11.01% | 11.71% | 8.02% | 9.41% | 4.03% | -699 bps | |
| Deposit Growth (YoY) | 15.05% | 17.33% | 9.26% | 15.76% | 15.77% | 14.19% | 5.02% | 4.80% | -1,096 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 | -0.05% | 0.00% | -0.04% | 0.04% | 0.03% | 0.02% | 1.11% | -0.03% | -7 bps | |
| Allowance / Loans | 1.43% | 1.39% | 1.40% | 1.36% | 1.34% | 1.38% | 1.37% | 1.45% | +9 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 | 10.28% | 10.45% | 10.35% | 10.40% | 10.42% | 10.92% | 10.71% | 10.25% | -15 bps | |
| Equity / Assets | 9.39% | 9.42% | 9.11% | 9.22% | 9.38% | 9.45% | 9.54% | 22.79% | +1,357 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 108.90% | 103.77% | 101.14% | 99.99% | 105.08% | 98.17% | 105.37% | 99.25% | -74 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 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 |