St. Charles, MO · Charter 64194
Q1 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2006, the quarter ended March 31, 2006, 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. Charles, MO · Charter 64194
Q1 2006
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 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.72% | 1.80% | 1.56% | 1.37% | 1.23% | 1.18% | 1.08% | 0.67% | -70 bps | |
| Return on Equity | 15.72% | 16.05% | 14.24% | 10.84% | 11.87% | 11.20% | 9.94% | 6.52% | -432 bps | |
| Net Interest Margin | 3.92% | 3.96% | 3.87% | 3.98% | 3.82% | 3.84% | 3.88% | 3.61% | -37 bps | |
| Efficiency Ratio | 72.06% | 70.78% | 72.61% | 74.35% | 72.57% | 72.68% | 72.86% | 74.59% | +23 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.13% | 3.83% | 8.86% | 11.54% | 20.90% | 18.68% | 12.58% | 14.84% | +330 bps | |
| Loan Growth (YoY) | 17.55% | 24.07% | 28.87% | 35.01% | 34.19% | 27.65% | 19.85% | 10.26% | -2,475 bps | |
| Share Growth (YoY) | 0.42% | 1.03% | 4.13% | 11.22% | 16.23% | 20.65% | 16.86% | 15.35% | +414 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.65% | 0.72% | 0.60% | 0.48% | 0.60% | 1.12% | 1.59% | 1.32% | +84 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 | 1.04% | 0.96% | 0.86% | 0.78% | 0.79% | 0.85% | 0.90% | 0.83% | +5 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.96% | 11.20% | 10.96% | 12.68% | 10.36% | 10.56% | 10.81% | 10.32% | -236 bps | |
| Net Worth / Assets | 10.96% | 11.20% | 10.96% | 12.68% | 10.36% | 10.56% | 10.81% | 10.32% | -236 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 80.39% | 85.38% | 89.07% | 88.11% | 92.81% | 90.34% | 91.35% | 84.22% | -389 bps | |
| Liquid Assets / Assets | 7.28% | 5.34% | 7.21% | 8.63% | 6.32% | 7.76% | 6.77% | 14.27% | +563 bps | |