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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| 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% | -0.58% | -1.97% | 0.53% | 0.31% | -0.10% | 0.50% | -2.30% | -284 bps | |
| Return on Equity | 7.22% | -6.12% | -20.28% | 5.30% | 3.04% | -1.00% | 4.82% | -22.02% | -2,732 bps | |
| Net Interest Margin | 3.14% | 3.17% | 3.13% | 3.37% | 3.15% | 3.17% | 3.08% | 3.26% | -11 bps | |
| Efficiency Ratio | 54.59% | 100.68% | 78.04% | 65.84% | 71.95% | 94.00% | 77.13% | 66.11% | +26 bps | |
| Non-Interest Burden | 1.67% | 3.19% | 2.39% | 2.16% | 2.18% | 2.94% | 2.30% | 2.07% | -9 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% | 2.42% | 4.70% | 0.08% | 0.11% | 3.19% | -0.07% | -0.11% | -19 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 |