St. Louis, MO · Charter 64669
Q3 2014
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 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.69% | -0.90% | -0.85% | -0.91% | -0.93% | -0.99% | -0.87% | -0.99% | -7 bps | |
| Return on Equity | -2.16% | -2.78% | -2.69% | -2.88% | -2.91% | -3.11% | -2.74% | -2.85% | +3 bps | |
| Net Interest Margin | 0.89% | 0.81% | 0.79% | 0.80% | 0.81% | 0.80% | 0.79% | 0.88% | +8 bps | |
| Efficiency Ratio | 181.72% | 213% | 210% | 217% | 218% | 228% | 212% | 214% | -293 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.34% | -8.12% | -2.52% | -3.41% | -2.90% | -1.32% | -3.01% | -10.80% | -740 bps | |
| Loan Growth (YoY) | 194.68% | 200% | 208% | 28.13% | 10.53% | -4.64% | 15.02% | 16.79% | -1,134 bps | |
| Share Growth (YoY) | -9.62% | -10.75% | -2.63% | -3.72% | -2.94% | -0.52% | -3.00% | -14.48% | -1,076 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.67% | 1.48% | 1.07% | 0.79% | 0.43% | 0.00% | 0.00% | 0.00% | -79 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 | 0.44% | 0.39% | 0.29% | 0.22% | 0.13% | 0.02% | 0.02% | 0.02% | -20 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 31.90% | 32.25% | 31.74% | 31.74% | 31.92% | 31.73% | 31.79% | 34.58% | +284 bps | |
| Net Worth / Assets | 31.90% | 32.25% | 31.74% | 31.74% | 31.92% | 31.73% | 31.79% | 34.58% | +284 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 11.03% | 11.24% | 12.76% | 12.14% | 12.56% | 10.77% | 15.13% | 16.58% | +444 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |