Saint Louis, MO · Cert 34119
FDIC · 1 branch
Q4 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2015, the quarter ended December 31, 2015, 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.
Saint Louis, MO · Cert 34119
FDIC · 1 branch
Q4 2015
Market Position · St. Louis, MO-IL · 2015 SOD (annual) · 0.1% share · #75 of 135 inst. · $0.1B of $89.9B
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 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.67% | 0.05% | -0.60% | -0.33% | 0.31% | 0.10% | 0.23% | -0.38% | -5 bps | |
| Return on Equity | 7.22% | 0.55% | -6.29% | -3.46% | 3.04% | 1.02% | 2.29% | -3.72% | -27 bps | |
| Net Interest Margin | 3.14% | 3.16% | 3.26% | 3.41% | 3.15% | 3.17% | 3.16% | 3.22% | -19 bps | |
| Efficiency Ratio | 54.59% | 78.34% | 78.24% | 75.19% | 71.95% | 82.97% | 81.07% | 77.31% | +212 bps | |
| Non-Interest Burden | 1.67% | 2.44% | 2.51% | 2.51% | 2.18% | 2.57% | 2.49% | 2.42% | -10 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.18% | -6.65% | -12.73% | -12.40% | -11.17% | -8.72% | -3.66% | -5.21% | +719 bps | |
| Loan Growth (YoY) | -7.64% | -12.56% | -12.18% | -7.04% | -7.94% | -7.25% | -3.35% | 0.18% | +723 bps | |
| Deposit Growth (YoY) | -7.83% | -7.88% | -13.71% | -13.36% | -11.93% | -9.15% | -4.50% | -5.48% | +788 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 | 1.12% | 1.80% | 2.78% | 2.12% | 0.11% | 1.65% | 1.05% | 0.73% | -139 bps | |
| Allowance / Loans | 2.19% | 2.03% | 2.11% | 2.26% | 2.41% | 1.86% | 1.83% | 1.80% | -46 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 | 9.35% | 9.39% | 9.59% | 9.18% | n/a | |
| Total Risk-Based Capital | 12.14% | 12.12% | 11.44% | 11.54% | 12.05% | 12.29% | 12.22% | 11.97% | +43 bps | |
| Equity / Assets | 9.37% | 9.59% | 9.84% | 10.23% | 10.09% | 10.15% | 10.54% | 10.39% | +15 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 84.08% | 83.14% | 88.75% | 90.94% | 87.89% | 84.87% | 89.83% | 96.39% | +545 bps | |
| Liquid Assets / Assets | 10.57% | 10.18% | 5.57% | 3.89% | 4.18% | 2.80% | 0.62% | 0.64% | -324 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |