St. Louis, MO · Charter 63496
Q2 1999
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 1999, the quarter ended June 30, 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 63496
Q2 1999
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.96% | 2.36% | 1.52% | -0.18% | 1.39% | -158 bps | |
| Return on Equity | 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 |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | -3.46% | 3.15% | 9.16% | 13.06% | 6.43% | +989 bps | |
| Loan Growth (YoY) | 18.34% | 23.43% | 43.07% | 25.06% | 28.41% | +1,007 bps | |
| Share Growth (YoY) | -5.28% | 2.97% | 11.11% | 17.84% | 12.32% | +1,760 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.86% | 2.54% | 3.09% | 2.65% | 2.18% | +32 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.97% | 1.90% | 1.81% | 2.99% | 2.72% | +75 bps | |
| Capital | |||||||
| Risk-Based Capital | 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 |
| Liquidity & Funding | |||||||
| Loans / Shares | 78.77% | 84.82% | 80.31% | 76.97% | 90.05% | +1,128 bps | |
| Liquid Assets / Assets | 24.50% | 18.27% | 19.72% | 23.05% | 7.49% | -1,702 bps | |