Saint Louis, MO · Cert 58362
FDIC
Q1 2010
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.17% | -1.85% | -9.89% | -2.81% | -9.47% | -3.98% | -18.27% | -1.60% | +121 bps | |
| Return on Equity | -12.26% | -19.94% | -110.26% | -33.83% | -129.39% | -62.66% | -411% | -76.84% | -4,301 bps | |
| Net Interest Margin | 2.56% | 2.57% | 2.42% | 1.74% | 1.75% | 1.66% | 1.43% | 1.60% | -14 bps | |
| Efficiency Ratio | 98.73% | 106.57% | 90.72% | 136.57% | 179.30% | 239% | 259% | 148.48% | +1,191 bps | |
| Non-Interest Burden | 2.53% | 2.75% | 2.17% | 2.48% | 3.31% | 3.77% | 3.68% | 2.68% | +20 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 105.11% | 49.72% | 2.69% | 1.07% | -15.78% | -16.09% | -18.52% | -13.98% | -1,506 bps | |
| Loan Growth (YoY) | 119.91% | 47.75% | 1.51% | -11.26% | -25.07% | -24.06% | -25.70% | -23.81% | -1,256 bps | |
| Deposit Growth (YoY) | 87.48% | 42.32% | 3.04% | 6.36% | -15.33% | -14.99% | -15.05% | -9.29% | -1,565 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 | 0.28% | 1.43% | 6.71% | 3.52% | 6.88% | -1.04% | 22.00% | -0.10% | -362 bps | |
| Allowance / Loans | 2.29% | 2.93% | 2.56% | 2.51% | 3.80% | 4.88% | 5.28% | 5.82% | +332 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 | 10.18% | 11.00% | 10.69% | 10.88% | 8.63% | 8.40% | 3.94% | 3.57% | -731 bps | |
| Equity / Assets | 9.03% | 9.49% | 8.43% | 8.17% | 6.39% | 6.33% | 2.40% | 1.77% | -639 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 110.64% | 106.72% | 105.76% | 100.79% | 97.92% | 95.34% | 92.50% | 84.65% | -1,614 bps | |
| Liquid Assets / Assets | 0.05% | 0.06% | 1.88% | 2.69% | 2.46% | 8.76% | 6.80% | 16.75% | +1,407 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |