St. Louis, MO · Charter 65390
Q4 2011
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 2009 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.34% | -1.43% | -0.62% | -0.97% | -0.64% | -0.95% | -1.43% | -2.13% | -116 bps | |
| Return on Equity | -18.10% | -20.70% | -9.47% | -15.64% | -10.26% | -17.72% | -28.31% | -41.41% | -2,577 bps | |
| Net Interest Margin | 3.28% | 3.30% | 2.92% | 3.20% | 3.22% | 2.99% | 3.04% | 3.46% | +26 bps | |
| Efficiency Ratio | 97.13% | 106.15% | 122.65% | 124.71% | 115.05% | 121.35% | 129.25% | 143.20% | +1,849 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.47% | 11.54% | 11.76% | 1.86% | -3.14% | 7.79% | -2.97% | -15.09% | -1,695 bps | |
| Loan Growth (YoY) | -2.23% | -3.03% | -7.33% | -1.58% | 3.07% | 8.83% | 10.77% | 4.23% | +581 bps | |
| Share Growth (YoY) | 12.90% | 14.85% | 11.92% | 0.49% | -3.51% | 9.88% | 1.06% | -12.01% | -1,249 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.11% | 5.44% | 4.47% | 2.02% | 0.76% | 0.63% | 2.16% | 1.65% | -37 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 | 1.19% | 1.05% | 1.23% | 0.66% | 0.54% | 0.59% | 0.86% | 0.88% | +22 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.42% | 6.93% | 6.53% | 6.23% | 6.19% | 5.37% | 5.05% | 5.15% | -108 bps | |
| Net Worth / Assets | 7.42% | 6.93% | 6.53% | 6.23% | 6.19% | 5.37% | 5.05% | 5.15% | -108 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 52.14% | 51.23% | 48.87% | 50.46% | 55.69% | 50.74% | 53.57% | 59.77% | +931 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |