St. Louis, MO · Charter 63496
Q2 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 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.98% | 3.48% | 3.15% | 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 | 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 | -1.36% | -3.64% | -3.46% | 3.15% | 9.16% | 13.06% | 6.43% | +989 bps | |
| Loan Growth (YoY) | n/a | 0.04% | 2.18% | 18.34% | 23.43% | 43.07% | 25.06% | 28.41% | +1,007 bps | |
| Share Growth (YoY) | n/a | -2.64% | -5.85% | -5.28% | 2.97% | 11.11% | 17.84% | 12.32% | +1,760 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.98% | 3.36% | 2.67% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 3.03% | 2.49% | 2.33% | 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 | 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 | 70.76% | 62.37% | 72.53% | 78.77% | 84.82% | 80.31% | 76.97% | 90.05% | +1,128 bps | |
| Liquid Assets / Assets | 34.63% | 27.33% | 24.55% | 24.50% | 18.27% | 19.72% | 23.05% | 7.49% | -1,702 bps | |