Saint Louis, MO · Cert 58205
FDIC
Q3 2010
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 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.34% | -4.59% | -4.67% | -4.01% | -4.09% | -4.58% | -4.31% | -4.85% | -84 bps | |
| Return on Equity | -26.41% | -67.00% | -77.77% | -72.01% | -79.15% | -165.77% | -182.96% | -267% | -19,477 bps | |
| Net Interest Margin | 2.42% | 1.66% | 1.98% | 2.19% | 2.46% | 2.48% | 2.61% | 2.73% | +55 bps | |
| Efficiency Ratio | 128.26% | 468% | 328% | 276% | 260% | 170.90% | 180.75% | 230% | -4,616 bps | |
| Non-Interest Burden | 3.13% | 4.62% | 5.01% | 4.88% | 5.38% | 4.12% | 4.68% | 5.37% | +49 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 23.54% | 5.61% | -14.60% | -21.60% | -20.98% | -23.18% | -24.64% | -21.06% | +54 bps | |
| Loan Growth (YoY) | 4.38% | -10.47% | -27.52% | -26.53% | -25.98% | -26.98% | -25.42% | -26.01% | +52 bps | |
| Deposit Growth (YoY) | 3.98% | -2.40% | -17.91% | -19.13% | -17.29% | -21.43% | -23.54% | -20.24% | -111 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 | 3.20% | 0.62% | 1.69% | 1.80% | 2.09% | 3.48% | 3.22% | 2.57% | +77 bps | |
| Allowance / Loans | 2.42% | 2.95% | 3.13% | 3.13% | 3.41% | 3.88% | 3.97% | 4.96% | +184 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 | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 8.28% | 7.83% | 6.68% | 6.23% | 5.34% | 4.18% | 3.17% | -0.02% | -624 bps | |
| Equity / Assets | 8.43% | 5.24% | 4.24% | 4.08% | 3.26% | 2.24% | 1.47% | 0.03% | -405 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 108.79% | 98.24% | 97.07% | 98.05% | 97.36% | 91.30% | 94.68% | 90.95% | -710 bps | |
| Liquid Assets / Assets | 0.57% | 2.51% | 4.68% | 3.08% | 4.37% | 4.47% | 3.07% | 1.66% | -142 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |