Ballwin, MO · Charter 64210
Q1 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2010, the quarter ended March 31, 2010, 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.
Ballwin, MO · Charter 64210
Q1 2010
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 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.51% | -3.01% | -2.44% | -0.10% | -0.31% | -0.36% | -2.82% | -1.56% | -146 bps | |
| Return on Equity | -4.32% | -23.29% | -18.98% | -0.80% | -2.37% | -2.42% | -22.43% | -9.61% | -882 bps | |
| Net Interest Margin | 4.20% | 4.15% | 4.13% | 4.10% | 3.88% | 4.51% | 4.61% | 5.56% | +146 bps | |
| Efficiency Ratio | 112.02% | 114.13% | 114.69% | 102.47% | 107.86% | 107.95% | 109.81% | 128.08% | +2,561 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.41% | -5.54% | -0.48% | 6.13% | -4.84% | -15.82% | -18.38% | -38.23% | -4,436 bps | |
| Loan Growth (YoY) | -31.48% | -29.51% | -22.52% | -10.48% | -9.40% | -14.78% | -24.31% | -27.52% | -1,703 bps | |
| Share Growth (YoY) | -2.95% | 0.26% | -1.03% | 6.42% | -5.98% | -17.63% | -18.03% | -40.61% | -4,703 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 11.81% | 10.99% | 9.38% | 15.16% | 19.00% | 15.82% | 17.26% | 0.00% | -1,516 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 | 4.87% | 3.27% | 3.31% | 3.22% | 3.74% | 4.22% | 7.46% | 7.73% | +451 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.72% | 12.90% | 12.84% | 12.85% | 12.96% | 14.86% | 12.55% | 16.24% | +339 bps | |
| Net Worth / Assets | 11.72% | 12.90% | 12.84% | 12.85% | 12.96% | 14.86% | 12.55% | 16.24% | +339 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 73.96% | 74.23% | 73.85% | 75.97% | 71.27% | 76.79% | 68.19% | 92.72% | +1,675 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |