St. Louis, MO · Charter 64799
Q2 2015
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 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.70% | -0.58% | -0.42% | -0.36% | -0.47% | -0.16% | -0.34% | -0.13% | +23 bps | |
| Return on Equity | -8.24% | -7.11% | -5.11% | -4.73% | -5.71% | -2.05% | -4.20% | -1.53% | +320 bps | |
| Net Interest Margin | 1.53% | 1.54% | 1.56% | 1.55% | 1.80% | 1.84% | 2.27% | 2.35% | +80 bps | |
| Efficiency Ratio | 126.44% | 122.38% | 125.19% | 118.86% | 112.81% | 104.14% | 107.62% | 104.02% | -1,484 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.95% | 8.43% | 2.02% | 4.77% | -2.59% | 0.41% | -1.59% | -11.30% | -1,607 bps | |
| Loan Growth (YoY) | -9.64% | 4.88% | 7.82% | 18.72% | 41.63% | 27.02% | 24.63% | -0.56% | -1,927 bps | |
| Share Growth (YoY) | 7.40% | 10.03% | 2.87% | 5.78% | -2.34% | 0.68% | -1.57% | -12.09% | -1,787 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.99% | 0.38% | 0.43% | 0.20% | 0.72% | 0.34% | 0.13% | 0.38% | +18 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 | 0.33% | 0.33% | 0.31% | 0.28% | 0.49% | 0.40% | 0.47% | 0.39% | +11 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.44% | 8.23% | 8.16% | 7.61% | 8.17% | 8.03% | 8.13% | 8.54% | +93 bps | |
| Net Worth / Assets | 8.44% | 8.23% | 8.16% | 7.61% | 8.17% | 8.03% | 8.13% | 8.54% | +93 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 41.80% | 44.97% | 44.81% | 45.55% | 60.61% | 56.74% | 56.74% | 51.52% | +597 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |