St. Louis, MO · Charter 63886
Q2 2000
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.32% | 2.02% | 2.40% | 1.40% | 1.06% | -6.01% | -5.86% | -1.36% | -276 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 | 6.96% | 5.86% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | 131.21% | 122.82% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -22.00% | -12.03% | -16.49% | -12.44% | -14.04% | -18.39% | -21.79% | -21.77% | -933 bps | |
| Loan Growth (YoY) | 34.54% | -15.93% | -17.60% | -25.58% | -19.36% | -27.55% | -30.44% | -24.48% | +110 bps | |
| Share Growth (YoY) | -25.27% | -12.86% | -14.51% | -13.11% | -14.34% | -15.72% | -18.64% | -18.49% | -538 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.56% | 1.62% | 2.97% | 0.89% | 5.69% | 11.13% | 9.81% | 0.50% | -39 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 | 1.69% | 1.43% | 0.96% | 1.78% | 1.13% | 2.93% | 2.53% | 1.93% | +16 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 | 115.92% | 100.81% | 111.32% | 94.83% | 109.13% | 86.66% | 95.18% | 87.86% | -697 bps | |
| Liquid Assets / Assets | 1.65% | 13.44% | 5.06% | 17.04% | 8.35% | 22.77% | 15.70% | 20.41% | +336 bps | |