PackageTrendsPeer
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Seven Holy Founders

St. Louis, MO · Charter 64143

Q2 2000

$1.8MAssets
$1.6MLoans
$1.6MShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of 0.32%, down 536 bps year over year; NIM at 5.69%.
  • Asset quality: problem loans at 1.70% of loans (+78 bps YoY).
  • Funding: loans stand at 100.19% of shares as of Q2 2000.

Return on Assets (quarter, annualized)

0.32%-536 bps YoY

Net Interest Margin (quarter, annualized)

5.69%

Efficiency Ratio (quarter, annualized)

123.57%

Net Worth / Assets

n/a
n/a

Discrete quarter, annualized.

MetricQ4 1996Q2 1997Q4 1997Q2 1998Q4 1998Q2 1999Q4 1999Q2 2000YoY ΔTrend
Earnings
Return on Assets3.46%3.13%2.53%5.68%4.73%2.97%-2.51%0.32%-536 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/a5.67%5.69%n/a
Efficiency Ration/an/an/an/an/an/a107.73%123.57%n/a
Growth
Asset Growth (YoY)-12.05%7.13%-3.93%-2.22%-2.74%-5.26%-4.55%-6.54%-432 bps
Loan Growth (YoY)-28.43%-13.03%25.93%49.48%24.26%18.47%-4.52%4.99%-4,448 bps
Share Growth (YoY)-12.34%5.62%-4.42%-3.66%-4.16%-7.47%-4.04%-7.87%-421 bps
Asset Quality
Delinquent Loans / Loans0.70%0.34%1.14%0.92%13.06%1.56%4.86%1.70%+78 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans2.97%1.76%2.30%0.66%0.68%0.49%3.19%0.96%+30 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares69.99%66.58%81.42%87.92%90.75%85.25%81.00%100.19%+1,228 bps
Liquid Assets / Assets22.31%28.12%14.58%9.31%11.80%16.74%19.26%4.43%-488 bps