St. Louis, MO · Charter 62186
Q4 1998
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 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.40% | 3.57% | 2.68% | 3.90% | 3.71% | 4.25% | 2.70% | 1.46% | -244 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | n/a | n/a | 0.73% | 6.44% | 14.12% | 10.21% | 9.36% | 4.67% | -177 bps | |
| Loan Growth (YoY) | n/a | n/a | -4.42% | 1.93% | 6.96% | 2.24% | -0.32% | -20.01% | -2,194 bps | |
| Share Growth (YoY) | n/a | n/a | 0.63% | 5.79% | 14.41% | 10.55% | 9.29% | 7.54% | +175 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 8.31% | 6.56% | 3.55% | 5.11% | 4.95% | 7.54% | 3.35% | 4.16% | -96 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 | 2.61% | 3.36% | 3.89% | 3.89% | 3.41% | 4.40% | 2.32% | 5.17% | +128 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 93.56% | 96.79% | 85.25% | 96.80% | 87.47% | 89.51% | 77.75% | 72.00% | -2,480 bps | |
| Liquid Assets / Assets | 12.25% | 9.74% | 14.55% | 7.28% | 9.85% | 9.27% | 15.21% | 29.58% | +2,230 bps | |