St. Louis, MO · Charter 64803
Q1 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2004, the quarter ended March 31, 2004, 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.
St. Louis, MO · Charter 64803
Q1 2004
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.11% | 0.45% | -1.87% | 0.24% | -2.55% | -145 bps | |
| Return on Equity | -7.29% | 2.90% | -10.54% | 1.07% | -24.82% | -1,754 bps | |
| Net Interest Margin | 4.41% | 5.63% | 8.18% | 11.34% | 4.73% | +32 bps | |
| Efficiency Ratio | 122.93% | 92.50% | 121.55% | 97.98% | 152.60% | +2,966 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 11.16% | -4.60% | -16.21% | -10.66% | 41.81% | +3,065 bps | |
| Loan Growth (YoY) | -13.60% | -4.05% | -9.04% | -11.39% | -28.28% | -1,469 bps | |
| Share Growth (YoY) | 13.12% | -6.35% | -22.81% | -16.15% | -40.11% | -5,323 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 11.70% | +1,170 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.60% | 1.62% | 1.58% | 1.80% | 2.24% | +63 bps | |
| Capital | |||||||
| Risk-Based Capital | 15.18% | 15.68% | 17.73% | 22.23% | 10.29% | -489 bps | |
| Net Worth / Assets | 15.18% | 15.68% | 17.73% | 22.23% | 10.29% | -489 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 92.26% | 92.96% | 128.73% | 153.48% | 110.48% | +1,822 bps | |
| Liquid Assets / Assets | 22.05% | 22.04% | 0.00% | 0.00% | 13.18% | -887 bps | |