Earth City, MO · Cert 34986
FDIC · 4 branches
Q2 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2016, the quarter ended June 30, 2016, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Earth City, MO · Cert 34986
FDIC · 4 branches
Q2 2016
Market Position · St. Louis, MO-IL · 2016 SOD (annual) · 0.2% share · #56 of 132 inst. · $0.2B 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 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.17% | 2.32% | 0.57%1 | 0.45% | 0.42% | 0.40% | 0.31%1 | -0.15% | -60 bps | |
| Return on Equity | 1.83% | 23.99% | 4.87% | 3.85% | 3.62% | 3.40% | 2.67% | -1.31% | -516 bps | |
| Net Interest Margin | 3.04% | 3.00% | 3.04% | 2.98% | 2.95% | 2.87% | 2.70% | 2.72% | -26 bps | |
| Efficiency Ratio | 95.05% | 94.11% | 82.16% | 82.50% | 80.31% | 79.87% | 89.22% | 122.51% | +4,002 bps | |
| Non-Interest Burden | 2.90% | 2.83% | 2.45% | 2.43% | 2.34% | 2.26% | 2.40% | 3.20% | +77 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.28% | 0.03% | -3.32% | 3.72% | 3.87% | 5.16% | 5.03% | -4.39% | -812 bps | |
| Loan Growth (YoY) | 2.74% | 3.85% | 1.88% | 0.72% | 3.20% | -2.58% | -3.01% | -6.23% | -695 bps | |
| Deposit Growth (YoY) | 2.02% | -1.27% | -5.80% | -1.31% | 2.94% | 1.31% | 2.81% | -6.07% | -477 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 | 0.52% | 0.31% | 0.10% | 0.05% | 0.06% | 0.59% | 1.98% | 1.01% | +97 bps | |
| Allowance / Loans | 2.29% | 2.30% | 2.33% | 2.33% | 2.39% | 1.99% | 1.51% | 1.53% | -80 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 | 10.55% | 10.31% | 10.44% | 10.23% | 10.36% | 10.44% | +13 bps | |
| Total Risk-Based Capital | 13.89% | 13.93% | 14.54% | 14.45% | 14.75% | 15.02% | 15.06% | 15.24% | +79 bps | |
| Equity / Assets | 9.56% | 11.74% | 11.86% | 11.51% | 11.77% | 11.47% | 11.62% | 12.17% | +67 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 83.30% | 86.20% | 87.25% | 85.97% | 83.50% | 82.89% | 82.31% | 85.83% | -14 bps | |
| Liquid Assets / Assets | 5.18% | 6.13% | 6.38% | 7.30% | 6.17% | 4.97% | 6.02% | 5.25% | -205 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |