St. Louis, MO · Charter 61175
Q4 2001
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 5.19% | 4.52% | 3.51% | 0.30% | 1.26% | 0.51% | -0.17% | -1.06% | -136 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | 2.03% | -0.68% | -4.77% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | 2.54% | 3.42% | 2.70% | 2.14% | 1.10% | -145 bps | |
| Efficiency Ratio | n/a | n/a | n/a | 87.21% | 63.41% | 81.11% | 98.12% | 186.51% | +9,931 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.62% | 10.31% | 9.17% | 5.06% | 0.29% | -2.15% | 0.59% | 8.93% | +387 bps | |
| Loan Growth (YoY) | -19.28% | -28.37% | -33.77% | -24.66% | -15.58% | -2.41% | 6.02% | 3.85% | +2,850 bps | |
| Share Growth (YoY) | 1.54% | 10.66% | 10.42% | 4.96% | -1.36% | -3.85% | -0.28% | 12.80% | +783 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 8.12% | 3.37% | 5.30% | 1.43% | 2.85% | 4.78% | 3.41% | 3.01% | +158 bps | |
| 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 | 0.83% | 0.90% | 0.95% | 0.93% | 0.98% | 0.38% | 0.69% | 0.71% | -23 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | 25.19% | 24.64% | 22.26% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | 25.19% | 24.64% | 22.26% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 51.87% | 45.00% | 43.27% | 45.45% | 44.39% | 45.68% | 46.01% | 41.85% | -361 bps | |
| Liquid Assets / Assets | 55.87% | 56.79% | 60.29% | 61.43% | 0.00% | 63.57% | 63.42% | 65.80% | +437 bps | |