St. Louis, MO · Charter 65142
Q3 2002
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 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.31% | -0.14% | 0.43% | 0.49% | -0.12% | -5.93% | 0.01% | -0.16% | -66 bps | |
| Return on Equity | n/a | n/a | n/a | 3.83% | -0.89% | -47.26% | 0.06% | -1.30% | -513 bps | |
| Net Interest Margin | n/a | 5.36% | 5.81% | 5.96% | 5.57% | -0.58% | 4.27% | 4.03% | -193 bps | |
| Efficiency Ratio | n/a | 102.17% | 88.78% | 90.50% | 104.50% | n/a | 104.63% | 107.25% | +1,676 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -15.37% | -9.48% | -7.49% | -2.49% | -4.96% | 0.58% | -5.57% | -1.46% | +103 bps | |
| Loan Growth (YoY) | -17.01% | 15.78% | 46.61% | 48.85% | 2.59% | -31.71% | -46.72% | -41.58% | -9,043 bps | |
| Share Growth (YoY) | -16.40% | -10.75% | -8.03% | -2.41% | -5.18% | 0.67% | -6.32% | -1.05% | +136 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.04% | 0.13% | 0.42% | 0.70% | 3.41% | 0.24% | 0.89% | +46 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 | 0.61% | 0.68% | 0.75% | 0.74% | 1.11% | 1.43% | 0.69% | 0.68% | -6 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | 12.91% | 13.03% | 12.55% | 12.78% | 12.57% | -34 bps | |
| Net Worth / Assets | n/a | n/a | n/a | 12.91% | 13.03% | 12.55% | 12.78% | 12.57% | -34 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 71.21% | 92.00% | 99.20% | 99.70% | 77.05% | 62.41% | 56.42% | 58.87% | -4,084 bps | |
| Liquid Assets / Assets | 29.99% | 15.87% | 6.90% | 11.29% | 31.78% | 43.68% | 48.54% | 46.42% | +3,513 bps | |