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Scottrade Bank

Town and Country, MO · Cert 58656

FDIC · 1 branch

Q2 2017

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q2 2017, the quarter ended June 30, 2017, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Scottrade Bank

Town and Country, MO · Cert 58656

FDIC · 1 branch

Q2 2017

$17.0BAssets
$4.3BLoans
$15.6BDeposits
$1.4BEquity
Loan mix
91%RE $3.7B8%C&I $0.3B1%Consumer $0.0BQ2 2016Q2 2017
Deposit mix
100%Interest-bearing $15.5B0%Noninterest $0.1BQ2 2016Q2 2017

NIM

2.04%Q2 ’152.11%Q2 ’162.06%Q2 ’17+5%-2%

Non-interest income vs. expense

0.51%Q2 ’150.45%Q2 ’160.45%Q2 ’17-14%-1%

Market Position · St. Louis, MO-IL · 2017 SOD (annual) · 15.0% share · #1 of 128 inst. · $15.6B of $103.6B

Executive Summary

  • Earnings: ROA of 1.35%, up 32 bps year over year; NIM at 1.42%.
  • Asset quality: problem loans at 0.34% of loans (+34 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 7.95%, up 14 bps from a year ago.
  • Funding: loans stand at 27.83% of deposits as of Q2 2017.

Financial Results

Return on Assets (YTD, annualized)

1.35%+32 bps YoY

Net Interest Margin (YTD, annualized)

1.42%-4 bps YoY

Efficiency Ratio (YTD, annualized)

30.70%+48 bps YoY

Tier 1 Leverage Ratio

7.95%+14 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2016Q3 2016Q4 2016Q1 2017Q2 2017YoY ΔTrend
Earnings
Return on Assets1.03%1.05%0.89%1.64%1.35%+32 bps
Return on Equity13.22%13.36%11.49%21.75%17.52%+430 bps
Net Interest Margin1.45%1.45%1.43%1.33%1.42%-4 bps
Efficiency Ratio30.22%29.48%29.00%32.70%30.70%+48 bps
Non-Interest Burden0.41%0.40%0.39%0.41%0.41%-1 bps
Growth
Asset Growth (YoY)1.24%5.10%7.46%7.49%6.15%+491 bps
Loan Growth (YoY)18.63%26.72%38.87%42.73%33.01%+1,438 bps
Deposit Growth (YoY)1.99%5.05%7.56%7.61%6.31%+432 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.36%0.34%+34 bps
Net Charge-Offs / Loans0.09%0.10%0.09%-0.01%0.01%-9 bps
Allowance / Loans0.53%0.53%0.53%0.50%0.50%-3 bps
Allowance Coverage of NPLsn/an/an/a1.4x1.5xn/a
Capital
Tier 1 Leverage Ratio7.80%7.79%7.53%7.70%7.95%+14 bps
Total Risk-Based Capital24.09%24.43%26.41%26.19%26.49%+240 bps
Equity / Assets8.09%8.15%7.35%7.72%8.01%-8 bps
Liquidity & Funding
Loans / Deposits22.24%23.24%25.50%27.02%27.83%+559 bps
Liquid Assets / Assets5.75%5.65%2.74%3.92%1.68%-407 bps
CRE / Total Capitaln/an/an/an/an/an/an/a