Town and Country, MO · Cert 58656
FDIC · 1 branch
Q2 2017
Market Position · St. Louis, MO-IL · 2017 SOD (annual) · 15.0% share · #1 of 128 inst. · $15.6B of $103.6B
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 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.00% | 1.01% | 1.02% | 1.03% | 1.05% | 0.89% | 1.64% | 1.35% | +32 bps | |
| Return on Equity | 11.77% | 12.20% | 13.30% | 13.22% | 13.36% | 11.49% | 21.75% | 17.52% | +430 bps | |
| Net Interest Margin | 1.44% | 1.44% | 1.43% | 1.45% | 1.45% | 1.43% | 1.33% | 1.42% | -4 bps | |
| Efficiency Ratio | 36.15% | 33.15% | 31.03% | 30.22% | 29.48% | 29.00% | 32.70% | 30.70% | +48 bps | |
| Non-Interest Burden | 0.50% | 0.46% | 0.42% | 0.41% | 0.40% | 0.39% | 0.41% | 0.41% | -1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -17.96% | -10.99% | -6.90% | 1.24% | 5.10% | 7.46% | 7.49% | 6.15% | +491 bps | |
| Loan Growth (YoY) | 14.22% | 10.71% | 10.31% | 18.63% | 26.72% | 38.87% | 42.73% | 33.01% | +1,438 bps | |
| Deposit Growth (YoY) | -18.39% | -10.55% | -5.07% | 1.99% | 5.05% | 7.56% | 7.61% | 6.31% | +432 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.36% | 0.34% | +34 bps | |
| Net Charge-Offs / Loans | 0.05% | 0.04% | 0.07% | 0.09% | 0.10% | 0.09% | -0.01% | 0.01% | -9 bps | |
| Allowance / Loans | 0.49% | 0.50% | 0.54% | 0.53% | 0.53% | 0.53% | 0.50% | 0.50% | -3 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | 1.4x | 1.5x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 7.70% | 7.80% | 7.75% | 7.80% | 7.79% | 7.53% | 7.70% | 7.95% | +14 bps | |
| Total Risk-Based Capital | 24.28% | 24.02% | 23.82% | 24.09% | 24.43% | 26.41% | 26.19% | 26.49% | +240 bps | |
| Equity / Assets | 8.15% | 7.46% | 7.80% | 8.09% | 8.15% | 7.35% | 7.72% | 8.01% | -8 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 19.26% | 19.75% | 20.37% | 22.24% | 23.24% | 25.50% | 27.02% | 27.83% | +559 bps | |
| Liquid Assets / Assets | 7.26% | 6.25% | 5.58% | 5.75% | 5.65% | 2.74% | 3.92% | 1.68% | -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 |