Chesterfield, MO · Cert 34216
FDIC
Q1 2003
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.41% | 0.42% | -0.04% | 0.50% | 0.52% | 0.98% | 1.31% | 0.73% | +23 bps | |
| Return on Equity | 4.78% | 5.38% | -0.52% | 7.36% | 7.21% | 13.36% | 18.00% | 10.33% | +297 bps | |
| Net Interest Margin | 3.29% | 3.32% | 2.96% | 3.03% | 3.22% | 3.75% | 3.92% | 3.74% | +71 bps | |
| Efficiency Ratio | 76.74% | 79.27% | 75.58% | 77.59% | 71.85% | 66.06% | 56.77% | 71.71% | -588 bps | |
| Non-Interest Burden | 2.46% | 2.57% | 2.16% | 2.28% | 2.22% | 2.35% | 2.03% | 2.57% | +28 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.21% | 24.61% | 37.06% | 31.90% | 22.23% | 13.54% | 7.60% | 17.69% | -1,421 bps | |
| Loan Growth (YoY) | 27.97% | 26.93% | 35.98% | 24.86% | 21.87% | 28.51% | 24.01% | 25.94% | +108 bps | |
| Deposit Growth (YoY) | 14.80% | 28.87% | 44.02% | 38.03% | 24.22% | 11.51% | 4.62% | 18.38% | -1,964 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.89% | 0.89% | 1.08% | 1.12% | 1.11% | 1.11% | 1.10% | 1.12% | +1 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 | 11.07% | 10.54% | 9.75% | 10.30% | 10.15% | 10.23% | 10.01% | 10.16% | -14 bps | |
| Equity / Assets | 8.41% | 7.44% | 6.69% | 6.96% | 7.38% | 7.36% | 7.24% | 6.98% | +1 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 89.85% | 79.99% | 80.29% | 79.78% | 88.15% | 92.18% | 95.18% | 84.87% | +509 bps | |
| Liquid Assets / Assets | 0.01% | 0.01% | 0.01% | 0.02% | 0.02% | 0.02% | 0.01% | 0.01% | -1 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |