Saint Louis, MO · Cert 34723
FDIC · 1 branch
Q1 2017
Market Position · St. Louis, MO-IL · 2016 SOD (annual) · 2.9% share · #6 of 132 inst. · $2.8B 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 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| 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 Margin | 1.95% | 1.92% | 1.81% | 1.79% | 2.07% | +12 bps | |
| Efficiency Ratio | 100.73% | 101.68% | 99.70% | 93.53% | 81.45% | -1,928 bps | |
| Non-Interest Burden | 1.99% | 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 / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.04% | +4 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.01% | +1 bps | |
| Allowance / Loans | 1.13% | 1.16% | 1.08% | 1.03% | 1.02% | -12 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | 28.3x | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 13.29% | 13.35% | 12.97% | 12.99% | 12.34% | -95 bps | |
| Total Risk-Based Capital | 23.45% | 21.79% | 22.13% | 22.24% | 22.19% | -126 bps | |
| Equity / Assets | 13.00% | 12.47% | 12.55% | 12.43% | 11.82% | -118 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 108.72% | 117.36% | 102.87% | 97.78% | 93.35% | -1,537 bps | |
| Liquid Assets / Assets | 1.07% | 0.74% | 1.45% | 2.72% | 7.46% | +638 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |