Saint Louis, MO · Cert 28694
FDIC · 14 branches
Q4 2014
Market Position · St. Louis, MO-IL · 2014 SOD (annual) · 0.8% share · #20 of 138 inst. · $0.7B of $93.4B
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 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.28% | 0.18%1 | 0.25% | 0.20% | 0.00% | -128 bps | |
| Return on Equity | 12.39% | 1.69% | 2.33% | 1.91% | 0.00% | -1,239 bps | |
| Net Interest Margin | 3.09% | 2.92% | 2.79% | 2.75% | 0.00% | -309 bps | |
| Efficiency Ratio | 73.22% | 111.26% | 99.79% | 97.95% | n/a | n/a | |
| Non-Interest Burden | 0.75% | 3.57% | 2.78% | 2.63% | 0.00% | -75 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.38% | -0.97% | 9.68% | 3.91% | 12.26% | +1,465 bps | |
| Loan Growth (YoY) | 3.70% | 8.80% | 10.63% | -5.01% | 19.10% | +1,540 bps | |
| Deposit Growth (YoY) | -6.52% | -5.06% | 7.79% | 10.40% | 15.77% | +2,229 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 1.30% | -0.89% | -0.42% | -0.33% | 0.00% | -130 bps | |
| Allowance / Loans | 1.54% | 1.62% | 1.47% | 1.50% | 1.67% | +13 bps | |
| Allowance Coverage of NPLs | 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 |
| Total Risk-Based Capital | 14.81% | 14.50% | 13.36% | 13.59% | 13.03% | -179 bps | |
| Equity / Assets | 10.84% | 10.79% | 10.10% | 9.65% | 9.45% | -139 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 83.36% | 82.57% | 83.89% | 79.68% | 85.76% | +240 bps | |
| Liquid Assets / Assets | 2.62% | 3.92% | 3.49% | 9.10% | 4.52% | +190 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |