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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.72% | -0.94% | -1.01% | -0.44% | -0.45% | 0.20% | 0.96% | 0.62% | +106 bps | |
| Return on Equity | -5.67% | -7.82% | -8.12% | -3.41% | -3.51% | 1.63% | 7.68% | 5.13% | +854 bps | |
| Net Interest Margin | 1.37% | 1.49% | 1.97% | 1.95% | 1.99% | 1.96% | 2.03% | 2.07% | +12 bps | |
| Efficiency Ratio | 118.35% | 123.51% | 113.83% | 100.73% | 102.57% | 96.13% | 77.17% | 81.45% | -1,928 bps | |
| Non-Interest Burden | 2.44% | 2.78% | 2.79% | 1.99% | 2.14% | 1.74% | 0.74% | 1.02% | -97 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 36.57% | 42.34% | 43.19% | 41.69% | 32.55% | 29.25% | 28.35% | 31.43% | -1,026 bps | |
| Loan Growth (YoY) | 89.50% | 114.58% | 90.79% | 85.48% | 78.33% | 58.09% | 39.85% | 25.43% | -6,005 bps | |
| Deposit Growth (YoY) | 50.42% | 56.29% | 60.53% | 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% | 0.00% | 0.00% | 0.00% | 0.04% | +4 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.01% | +1 bps | |
| Allowance / Loans | 1.14% | 1.03% | 1.08% | 1.13% | 1.16% | 1.08% | 1.03% | 1.02% | -12 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 28.3x | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.60% | 12.66% | 13.30% | 13.29% | 13.35% | 12.97% | 12.99% | 12.34% | -95 bps | |
| Total Risk-Based Capital | 27.26% | 23.42% | 23.21% | 23.45% | 21.79% | 22.13% | 22.24% | 22.19% | -126 bps | |
| Equity / Assets | 12.01% | 12.09% | 12.72% | 13.00% | 12.47% | 12.55% | 12.43% | 11.82% | -118 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 87.56% | 92.74% | 99.70% | 108.72% | 117.36% | 102.87% | 97.78% | 93.35% | -1,537 bps | |
| Liquid Assets / Assets | 7.94% | 3.77% | 2.77% | 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 | n/a | n/a | n/a |