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

Executive Summary

  • Earnings: ROA of 0.31%, up 273 bps year over year; NIM at 0.36%.
  • Capital: tier 1 leverage ratio of 91.84%.

Return on Assets (YTD, annualized)

0.31%+273 bps YoY

Net Interest Margin (YTD, annualized)

0.36%+2 bps YoY

Efficiency Ratio (YTD, annualized)

98.48%-1,752 bps YoY

Tier 1 Leverage Ratio

91.84%

NIM

0.25%Q4 ’130.33%Q4 ’140.36%Q4 ’15+31%+7%

Non-interest income vs. expense

23.33%Q4 ’1329.13%Q4 ’1432.95%Q4 ’15-40%-103%

Year to date, annualized, through each quarter.

MetricQ1 2014Q2 2014Q3 2014Q4 2014Q1 2015Q2 2015Q3 2015Q4 2015YoY ΔTrend
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 Margin0.35%0.35%0.34%0.33%0.30%0.33%0.33%0.36%+2 bps
Efficiency Ratio132.91%125.95%122.78%116.00%101.00%99.59%99.38%98.48%-1,752 bps
Non-Interest Burden7.16%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/an/an/an/an/an/an/an/an/an/a
Deposit Growth (YoY)n/an/an/an/an/an/an/an/an/an/a
Asset Quality
Nonperforming Loans / Loansn/an/an/an/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/a91.66%92.56%91.58%91.84%n/a
Total Risk-Based Capital248%250%246%252%245%249%244%250%-253 bps
Equity / Assets94.58%95.66%94.05%93.74%93.05%94.39%92.74%95.78%+204 bps
Liquidity & Funding
Loans / Depositsn/an/an/an/an/an/an/an/an/an/a
Liquid Assets / Assets0.09%0.71%0.50%0.06%0.06%0.12%0.04%0.26%+20 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a