St. Louis, MO · Charter 65545
Q4 1997
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 1994 | Q4 1994 | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.76% | 4.25% | 5.04% | 7.25% | 7.76% | 2.36% | 3.00% | 1.42% | -583 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | n/a | n/a | n/a | n/a | -15.33% | -14.13% | -7.19% | -19.75% | n/a | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | -14.65% | -3.89% | -23.59% | -3.06% | n/a | |
| Share Growth (YoY) | n/a | n/a | n/a | n/a | -19.23% | -20.77% | -9.31% | -24.62% | n/a | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 16.51% | 8.56% | 12.38% | 5.54% | 1.35% | 2.70% | 11.32% | 21.00% | +1,545 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 | 18.25% | 17.58% | 16.36% | 8.93% | 8.29% | 7.09% | 8.29% | 9.52% | +59 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 34.09% | 34.63% | 42.65% | 27.23% | 36.02% | 42.01% | 35.94% | 35.02% | +779 bps | |
| Liquid Assets / Assets | 74.85% | 74.28% | 68.90% | 78.00% | 71.87% | 67.68% | 71.93% | 73.80% | -421 bps | |