St. Louis, MO · Charter 486
Q4 2001
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.93% | 5.19% | 4.52% | 0.85% | 0.54% | 0.67% | 0.46% | 0.30% | -55 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | 5.09% | 3.89% | 2.75% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | 2.58% | 2.13% | 2.39% | 2.52% | 2.33% | -25 bps | |
| Efficiency Ratio | n/a | n/a | n/a | 61.21% | 72.08% | 69.76% | 80.63% | 84.53% | +2,333 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 17.63% | 11.64% | 11.66% | 11.62% | 17.81% | 13.05% | 17.09% | 30.71% | +1,908 bps | |
| Loan Growth (YoY) | 8.48% | 12.04% | 4.17% | -2.45% | 2.38% | 2.02% | -4.65% | -15.55% | -1,310 bps | |
| Share Growth (YoY) | 17.58% | 11.21% | 11.58% | 11.30% | 18.29% | 12.93% | 17.56% | 33.90% | +2,260 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.79% | 0.86% | 0.84% | 0.59% | 0.57% | 0.98% | 0.34% | 0.84% | +25 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.55% | 0.60% | 0.62% | 0.65% | 0.51% | 0.55% | 0.43% | 0.46% | -19 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | 13.09% | 11.84% | 10.91% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | 13.09% | 11.84% | 10.91% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 72.68% | 77.76% | 69.74% | 68.56% | 62.90% | 70.24% | 56.56% | 43.24% | -2,532 bps | |
| Liquid Assets / Assets | 32.10% | 28.60% | 36.32% | 37.66% | 42.99% | 38.43% | 48.95% | 60.31% | +2,265 bps | |