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TIAA-Cref Trust Company FSB

Saint Louis, MO · Cert 34723

FDIC · 1 branch

Q1 2017

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q1 2017, the quarter ended March 31, 2017, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

TIAA-Cref Trust Company FSB

Saint Louis, MO · Cert 34723

FDIC · 1 branch

Q1 2017

$4.8BAssets
$3.6BLoans
$3.9BDeposits
$569.4MEquity
Deposit mix
100%Interest-bearing $3.9B0%Noninterest $0.0BQ1 2016Q1 2017

NIM

1.97%Q1 ’152.52%Q1 ’162.66%Q1 ’17+49%+6%

Non-interest income vs. expense

8.25%Q1 ’155.71%Q1 ’164.59%Q1 ’17-44%-49%

Market Position · St. Louis, MO-IL · 2016 SOD (annual) · 2.9% share · #6 of 132 inst. · $2.8B of $95.1B

Executive Summary

  • Earnings: ROA of 0.62%, up 106 bps year over year; NIM at 2.07%.
  • Asset quality: problem loans at 0.04% of loans (+4 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 12.34%, down 95 bps from a year ago.
  • Funding: loans stand at 93.35% of deposits as of Q1 2017.

Financial Results

Return on Assets (YTD, annualized)

0.62%+106 bps YoY

Net Interest Margin (YTD, annualized)

2.07%+12 bps YoY

Efficiency Ratio (YTD, annualized)

81.45%-1,928 bps YoY

Tier 1 Leverage Ratio

12.34%-95 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2016Q2 2016Q3 2016Q4 2016Q1 2017YoY ΔTrend
Earnings
Return on Assets-0.44%-0.44%-0.21%0.11%0.62%+106 bps
Return on Equity-3.41%-3.46%-1.65%0.89%5.13%+854 bps
Net Interest Margin1.95%1.92%1.81%1.79%2.07%+12 bps
Efficiency Ratio100.73%101.68%99.70%93.53%81.45%-1,928 bps
Non-Interest Burden1.99%2.02%1.79%1.46%1.02%-97 bps
Growth
Asset Growth (YoY)41.69%32.55%29.25%28.35%31.43%-1,026 bps
Loan Growth (YoY)85.48%78.33%58.09%39.85%25.43%-6,005 bps
Deposit Growth (YoY)55.38%33.05%42.52%42.59%46.08%-929 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.04%+4 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.01%+1 bps
Allowance / Loans1.13%1.16%1.08%1.03%1.02%-12 bps
Allowance Coverage of NPLsn/an/an/an/a28.3xn/an/a
Capital
Tier 1 Leverage Ratio13.29%13.35%12.97%12.99%12.34%-95 bps
Total Risk-Based Capital23.45%21.79%22.13%22.24%22.19%-126 bps
Equity / Assets13.00%12.47%12.55%12.43%11.82%-118 bps
Liquidity & Funding
Loans / Deposits108.72%117.36%102.87%97.78%93.35%-1,537 bps
Liquid Assets / Assets1.07%0.74%1.45%2.72%7.46%+638 bps
CRE / Total Capitaln/an/an/an/an/an/an/a