St. Louis, MO · Charter 63414
Q4 1999
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 1999, the quarter ended December 31, 1999, 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.
St. Louis, MO · Charter 63414
Q4 1999
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 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.21% | 4.48% | 3.58% | 1.55% | 3.81% | 2.04% | -3.13% | -4.81% | -636 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 | 6.95% | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 104.30% | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | 13.34% | 15.17% | 3.65% | -3.12% | 0.71% | -5.86% | -3.18% | -0.92% | +221 bps | |
| Loan Growth (YoY) | 89.59% | 39.82% | 12.35% | 5.33% | -5.13% | -6.39% | -20.38% | -34.52% | -3,984 bps | |
| Share Growth (YoY) | 11.10% | 6.34% | 3.60% | -3.38% | -0.21% | 3.54% | 2.11% | 6.42% | +980 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.76% | 5.42% | 4.15% | 6.06% | 8.61% | 8.79% | 8.57% | 3.34% | -271 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 | 5.41% | 4.19% | 2.79% | 5.03% | 4.82% | 6.26% | 6.23% | 4.06% | -97 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 | 100.55% | 115.30% | 104.61% | 115.51% | 95.59% | 104.24% | 81.57% | 71.07% | -4,444 bps | |
| Liquid Assets / Assets | 4.90% | 1.74% | 4.04% | 1.86% | 0.77% | 10.40% | 4.89% | 34.30% | +3,244 bps | |