Saint Louis, MO · Cert 59065
FDIC
Q4 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2015, the quarter ended December 31, 2015, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Saint Louis, MO · Cert 59065
FDIC
Q4 2015
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 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -4.18% | -3.48% | -3.13% | -2.42% | -0.13% | 0.11% | 0.13% | 0.31% | +273 bps | |
| Return on Equity | -4.41% | -3.66% | -3.31% | -2.56% | -0.14% | 0.12% | 0.14% | 0.33% | +289 bps | |
| Net Interest Margin | 0.35% | 0.35% | 0.34% | 0.33% | 0.30% | 0.33% | 0.33% | 0.36% | +2 bps | |
| Efficiency Ratio | 132.91% | 125.95% | 122.78% | 116.00% | 101.00% | 99.59% | 99.38% | 98.48% | -1,752 bps | |
| Non-Interest Burden | 7.16% | 6.10% | 5.60% | 4.35% | 0.61% | 0.20% | 0.13% | -0.15% | -450 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 14.86% | 15.85% | 18.17% | -1.33% | 0.21% | 0.73% | 1.50% | -1.81% | -48 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Deposit Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| 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 | 91.66% | 92.56% | 91.58% | 91.84% | n/a | |
| Total Risk-Based Capital | 248% | 250% | 246% | 252% | 245% | 249% | 244% | 250% | -253 bps | |
| Equity / Assets | 94.58% | 95.66% | 94.05% | 93.74% | 93.05% | 94.39% | 92.74% | 95.78% | +204 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquid Assets / Assets | 0.09% | 0.71% | 0.50% | 0.06% | 0.06% | 0.12% | 0.04% | 0.26% | +20 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |