St. Louis, MO · Charter 64502
Q3 2007
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 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.45% | 0.50% | 0.53% | 0.53% | 0.50% | 0.22% | 0.20% | 0.18% | -36 bps | |
| Return on Equity | 5.01% | 6.22% | 6.22% | 6.12% | 5.74% | 2.79% | 2.49% | 2.10% | -401 bps | |
| Net Interest Margin | 3.10% | 2.93% | 3.06% | 3.06% | 2.96% | 2.41% | 2.53% | 2.58% | -48 bps | |
| Efficiency Ratio | 79.10% | 78.55% | 78.68% | 79.01% | 79.72% | 87.22% | 85.33% | 85.46% | +645 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.18% | 0.59% | 0.80% | 0.77% | 2.70% | 7.97% | 8.52% | 7.36% | +659 bps | |
| Loan Growth (YoY) | 12.87% | 0.19% | -9.45% | -12.45% | -13.83% | -9.60% | -10.81% | -10.45% | +200 bps | |
| Share Growth (YoY) | 1.89% | 1.05% | 1.16% | 1.10% | 3.24% | 8.72% | 9.38% | 8.21% | +711 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.79% | 0.87% | 1.26% | 1.50% | 2.08% | 1.74% | 1.39% | 1.34% | -15 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 | 0.63% | 0.82% | 0.89% | 0.98% | 0.91% | 0.73% | 0.75% | 0.74% | -24 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.08% | 8.12% | 8.50% | 8.70% | 8.68% | 7.93% | 8.15% | 8.33% | -37 bps | |
| Net Worth / Assets | 9.08% | 8.12% | 8.50% | 8.70% | 8.68% | 7.93% | 8.15% | 8.33% | -37 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 88.66% | 79.32% | 80.49% | 78.43% | 74.00% | 65.96% | 65.62% | 64.91% | -1,352 bps | |
| Liquid Assets / Assets | 14.82% | 20.89% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |