Saint Louis, MO · Cert 58362
FDIC
Q1 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 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.07% | -1.35% | -3.51% | -2.81% | -6.09% | -5.41% | -8.40% | -1.60% | +121 bps | |
| Return on Equity | -11.02% | -13.98% | -37.44% | -33.83% | -79.15% | -73.30% | -129.27% | -76.84% | -4,301 bps | |
| Net Interest Margin | 2.57% | 2.47% | 2.51% | 1.74% | 1.77% | 1.81% | 1.74% | 1.60% | -14 bps | |
| Efficiency Ratio | 100.06% | 102.30% | 99.53% | 136.57% | 157.30% | 178.50% | 194.05% | 148.48% | +1,191 bps | |
| Non-Interest Burden | 2.57% | 2.53% | 2.49% | 2.48% | 2.94% | 3.34% | 3.47% | 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 | 0.30% | 0.69% | 2.23% | 3.52% | 5.40% | 3.44% | 8.31% | -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 |