Saint Louis, MO · Cert 27316
FDIC
Q2 2012
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 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.44% | -1.83% | -2.40% | -1.31% | -4.96% | -4.54% | -4.86% | -6.21% | -490 bps | |
| Return on Equity | -5.54% | -23.35% | -33.21% | -17.20% | -70.23% | -68.14% | -113.31% | -172.14% | -15,494 bps | |
| Net Interest Margin | 2.30% | 2.42% | 2.59% | 2.69% | 2.73% | 2.85% | 2.37% | 2.45% | -24 bps | |
| Efficiency Ratio | 83.46% | 86.96% | 110.56% | 97.70% | 116.51% | 124.57% | 18714% | n/a | n/a | |
| Non-Interest Burden | 1.86% | 2.07% | 2.90% | 2.67% | 5.15% | 5.08% | 5.73% | 6.34% | +366 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -12.24% | -16.48% | -19.77% | -23.67% | -18.36% | -18.75% | -14.31% | -17.93% | +575 bps | |
| Loan Growth (YoY) | -14.02% | -18.18% | -20.69% | -20.57% | -22.43% | -22.75% | -24.49% | -26.47% | -590 bps | |
| Deposit Growth (YoY) | -13.14% | -18.25% | -19.09% | -24.70% | -15.70% | -15.62% | -8.03% | -11.70% | +1,300 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 | 2.67% | 3.47% | 3.39% | 2.73% | 4.45% | 4.51% | 10.72% | 8.55% | +582 bps | |
| Allowance / Loans | 5.16% | 6.22% | 6.67% | 6.77% | 7.04% | 7.18% | 6.10% | 6.51% | -25 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 | 10.09% | 8.93% | 8.68% | 10.05% | 7.96% | 7.18% | 6.11% | 3.85% | -620 bps | |
| Equity / Assets | 8.30% | 7.24% | 7.22% | 8.38% | 5.33% | 4.87% | 3.70% | 2.10% | -628 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 95.85% | 95.83% | 94.28% | 93.61% | 88.19% | 87.74% | 77.41% | 77.96% | -1,565 bps | |
| Liquid Assets / Assets | 6.81% | 8.60% | 10.15% | 10.26% | 9.93% | 1.05% | 5.72% | 9.71% | -55 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |