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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.07% | 1.42% | 2.17% | -0.52% | 0.18%1 | 0.31% | 0.10% | -0.55% | -4 bps | |
| Return on Equity | 20.93% | 13.58% | 20.66% | -4.89% | 1.69% | 2.99% | 1.05% | -5.77% | -89 bps | |
| Net Interest Margin | 3.28% | 3.27% | 3.42% | 2.72% | 2.92% | 2.89% | 2.84% | -8.08% | -1,080 bps | |
| Efficiency Ratio | 74.60% | 67.28% | 62.54% | 97.96% | 111.26% | 90.18% | 94.61% | n/a | n/a | |
| Non-Interest Burden | 1.12% | 0.08% | -0.75% | 2.59% | 3.57% | 2.26% | 2.50% | -7.73% | -1,031 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.73% | -7.80% | -2.50% | -2.38% | -0.97% | 9.68% | 3.91% | 12.26% | +1,465 bps | |
| Loan Growth (YoY) | 1.32% | 12.42% | 16.29% | 3.70% | 8.80% | 10.63% | -5.01% | 19.10% | +1,540 bps | |
| Deposit Growth (YoY) | 0.67% | -12.30% | -10.32% | -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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | -1.23% | 4.22% | 0.42% | 1.63% | -0.89% | -0.04% | -0.17% | 0.92% | -71 bps | |
| Allowance / Loans | 2.60% | 1.55% | 1.38% | 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 | 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 | 15.75% | 16.13% | 15.84% | 14.81% | 14.50% | 13.36% | 13.59% | 13.03% | -179 bps | |
| Equity / Assets | 10.30% | 10.69% | 10.30% | 10.84% | 10.79% | 10.10% | 9.65% | 9.45% | -139 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 72.06% | 81.73% | 92.60% | 83.36% | 82.57% | 83.89% | 79.68% | 85.76% | +240 bps | |
| Liquid Assets / Assets | 12.10% | 5.66% | 1.24% | 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 | n/a | n/a | n/a |