PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Stifel Trust Company, National Association

Saint Louis, MO · Cert 59065

FDIC

Q4 2015

$8.8MAssets
n/aLoans
n/aDeposits
$8.5MEquity

NIM

0.21%Q4 ’130.31%Q4 ’140.43%Q4 ’15+47%+39%

Non-interest income vs. expense

24.69%Q4 ’1330.85%Q4 ’1434.52%Q4 ’15-90%-304%

Executive Summary

  • Earnings: ROA of 0.85%, up 111 bps year over year; NIM at 0.43%.
  • Capital: tier 1 leverage ratio of 91.84%.

Financial Results

Return on Assets (quarter, annualized)

0.85%+111 bps YoY

Net Interest Margin (quarter, annualized)

0.43%+12 bps YoY

Efficiency Ratio (quarter, annualized)

96.02%-456 bps YoY

Tier 1 Leverage Ratio

91.84%

Discrete quarter, annualized.

MetricQ4 2014Q1 2015Q2 2015Q3 2015Q4 2015YoY ΔTrend
Earnings
Return on Assets-0.27%-0.13%0.35%0.18%0.85%+111 bps
Return on Equity-0.28%-0.14%0.38%0.19%0.90%+118 bps
Net Interest Margin0.31%0.30%0.35%0.35%0.43%+12 bps
Efficiency Ratio100.58%101.00%98.28%99.00%96.02%-456 bps
Non-Interest Burden0.49%0.61%-0.22%0.00%-1.00%-149 bps
Growth
Asset Growth (YoY)-1.33%0.21%0.73%1.50%-1.81%-48 bps
Loan Growth (YoY)n/an/an/an/an/an/an/a
Deposit Growth (YoY)n/an/an/an/an/an/an/a
Asset Quality
Nonperforming Loans / Loansn/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/a91.66%92.56%91.58%91.84%n/a
Total Risk-Based Capital252%245%249%244%250%-253 bps
Equity / Assets93.74%93.05%94.39%92.74%95.78%+204 bps
Liquidity & Funding
Loans / Depositsn/an/an/an/an/an/an/a
Liquid Assets / Assets0.06%0.06%0.12%0.04%0.26%+20 bps
CRE / Total Capitaln/an/an/an/an/an/an/a