St. Louis, MO · Charter 63995
Q3 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2014, the quarter ended September 30, 2014, 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 63995
Q3 2014
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 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.60% | -0.61% | -0.53% | -0.94% | -1.04% | -1.36% | -2.09% | -1.99% | -105 bps | |
| Return on Equity | -2.73% | -2.79% | -2.36% | -4.21% | -4.72% | -6.68% | -10.56% | -9.83% | -562 bps | |
| Net Interest Margin | 3.72% | 3.48% | 3.69% | 3.67% | 3.55% | 2.63% | 2.58% | 2.63% | -104 bps | |
| Efficiency Ratio | 109.73% | 113.12% | 108.40% | 111.01% | 112.58% | 135.31% | 132.79% | 135.83% | +2,482 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.13% | 0.70% | -1.46% | -3.35% | -4.27% | 1.05% | 4.80% | 1.42% | +477 bps | |
| Loan Growth (YoY) | -8.81% | -6.63% | -5.21% | -1.62% | -5.39% | -12.05% | -18.86% | -25.66% | -2,404 bps | |
| Share Growth (YoY) | 0.91% | 1.84% | -0.97% | -3.10% | -4.66% | 2.83% | 7.53% | 3.71% | +681 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.70% | 0.25% | 0.87% | 2.10% | 3.73% | 1.60% | 1.70% | 0.95% | -115 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 | 3.65% | 2.67% | 2.94% | 3.29% | 2.93% | 2.76% | 3.16% | 3.07% | -21 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 22.01% | 21.71% | 22.63% | 22.38% | 21.96% | 20.32% | 19.82% | 20.24% | -213 bps | |
| Net Worth / Assets | 22.01% | 21.71% | 22.63% | 22.38% | 21.96% | 20.32% | 19.82% | 20.24% | -213 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 46.86% | 46.78% | 49.75% | 50.25% | 46.50% | 40.01% | 37.54% | 36.02% | -1,423 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |