Florissant, MO · Charter 64801
Q3 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2009, the quarter ended September 30, 2009, 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.
Florissant, MO · Charter 64801
Q3 2009
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 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.00% | 1.32% | -1.58% | -1.06% | -1.03% | -1.16% | -0.80% | -1.26% | -21 bps | |
| Return on Equity | 0.00% | 8.25% | -10.04% | -6.79% | -6.87% | -7.84% | -5.45% | -7.18% | -39 bps | |
| Net Interest Margin | 3.97% | 3.80% | 3.17% | 2.99% | 2.69% | 1.74% | 1.85% | 1.94% | -105 bps | |
| Efficiency Ratio | 89.91% | 75.82% | 131.75% | 122.65% | 124.98% | 142.22% | 127.63% | 140.33% | +1,768 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -10.22% | -3.02% | -8.48% | -9.61% | -0.06% | -1.75% | 1.38% | -14.56% | -495 bps | |
| Loan Growth (YoY) | -25.29% | -38.91% | -12.40% | -24.83% | -22.43% | -7.30% | -13.46% | 2.77% | +2,760 bps | |
| Share Growth (YoY) | -12.09% | -3.17% | -8.17% | -10.34% | 1.33% | 0.13% | 2.14% | -15.95% | -562 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 10.39% | 12.75% | 15.53% | 9.78% | 10.71% | 16.01% | 13.18% | 14.15% | +437 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 | 1.94% | 2.26% | 2.34% | 2.54% | 2.67% | 3.56% | 3.70% | 4.36% | +181 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 16.08% | 16.04% | 15.77% | 15.57% | 15.06% | 14.73% | 14.63% | 17.62% | +205 bps | |
| Net Worth / Assets | 16.08% | 16.04% | 15.77% | 15.57% | 15.06% | 14.73% | 14.63% | 17.62% | +205 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 56.76% | 48.10% | 51.04% | 46.67% | 43.45% | 44.53% | 43.25% | 57.07% | +1,040 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |