Creve Coeur, MO · Cert 30284
FDIC · 13 branches
Q3 2016
Market Position · St. Louis, MO-IL · 2016 SOD (annual) · 1.3% share · #15 of 132 inst. · $1.2B of $95.1B
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 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.92% | 0.91% | 1.05% | 1.03% | 1.00% | 0.66% | 0.46% | 0.71% | -32 bps | |
| Return on Equity | 9.21% | 9.10% | 10.81% | 10.66% | 10.53% | 7.32% | 4.44% | 6.41% | -425 bps | |
| Net Interest Margin | 3.17% | 3.11% | 3.08% | 3.08% | 3.01% | 3.03% | 1.26% | 2.13% | -95 bps | |
| Efficiency Ratio | 62.59% | 66.49% | 60.15% | 60.90% | 62.68% | 72.39% | 49.62% | 49.94% | -1,096 bps | |
| Non-Interest Burden | 1.69% | 1.70% | 1.32% | 1.37% | 1.45% | 1.98% | 0.43% | 0.69% | -68 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.24% | 3.40% | 13.59% | 10.24% | 15.35% | 18.60% | 3.79% | 8.84% | -140 bps | |
| Loan Growth (YoY) | 14.89% | 14.00% | 14.77% | 10.64% | 15.31% | 14.95% | 0.23% | 5.21% | -543 bps | |
| Deposit Growth (YoY) | 6.64% | 9.29% | 15.17% | 11.39% | 10.64% | 11.31% | 2.31% | -0.28% | -1,167 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 | 0.27% | 0.07% | 0.12% | 0.17% | 0.06% | 0.07% | -0.05% | -0.11% | -28 bps | |
| Allowance / Loans | 1.31% | 1.29% | 1.22% | 1.22% | 1.13% | 1.12% | 0.07% | 0.27% | -96 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 | 10.11% | 9.83% | 9.83% | 9.64% | 9.35% | 8.28% | 9.12% | -71 bps | |
| Total Risk-Based Capital | 13.25% | 12.71% | 12.20% | 12.41% | 11.89% | 11.84% | 10.98% | 11.20% | -121 bps | |
| Equity / Assets | 9.75% | 10.17% | 9.20% | 9.58% | 8.99% | 9.08% | 13.24% | 13.26% | +368 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 110.44% | 107.32% | 113.69% | 112.89% | 115.10% | 110.83% | 111.37% | 119.11% | +622 bps | |
| Liquid Assets / Assets | 7.79% | 5.41% | 8.82% | 8.79% | 8.57% | 8.51% | 3.27% | 3.35% | -544 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |