St. Louis, MO · Charter 64520
Q2 1998
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 1994 | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.61% | 1.67% | 1.86% | 1.56% | 1.77% | 1.23% | 1.28% | 0.97% | -59 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | n/a | n/a | n/a | -6.88% | -13.92% | -12.85% | -9.66% | -20.27% | -1,340 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | 17.91% | 10.40% | 9.08% | -21.99% | -44.47% | -6,239 bps | |
| Share Growth (YoY) | n/a | n/a | n/a | -9.56% | -17.27% | -15.69% | -11.87% | -19.40% | -984 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.42% | 0.11% | 0.00% | 0.00% | 0.00% | 0.00% | 1.44% | 1.88% | +188 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 | 0.95% | 0.93% | 0.57% | 0.54% | 0.62% | 0.59% | 0.70% | 0.92% | +39 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 58.97% | 58.97% | 76.48% | 79.73% | 78.69% | 76.30% | 67.70% | 54.92% | -2,481 bps | |
| Liquid Assets / Assets | 48.77% | 48.94% | 34.53% | 31.89% | 31.70% | 33.97% | 43.33% | 49.72% | +1,784 bps | |