St. Louis, MO · Charter 67752
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.
St. Louis, MO · Charter 67752
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 | 0.71% | 0.12% | 0.17% | 0.13% | 0.07% | 0.01% | 0.37% | 0.31% | +18 bps | |
| Return on Equity | 3.95% | 0.69% | 0.96% | 0.74% | 0.42% | 0.04% | 1.90% | 1.53% | +79 bps | |
| Net Interest Margin | 3.84% | 3.23% | 3.21% | 3.28% | 3.32% | 3.19% | 3.16% | 3.21% | -6 bps | |
| Efficiency Ratio | 79.88% | 94.51% | 93.74% | 94.60% | 93.98% | 99.73% | 79.87% | 84.50% | -1,010 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.82% | -7.44% | -13.16% | -10.17% | 1.69% | -11.33% | -7.93% | -10.56% | -39 bps | |
| Loan Growth (YoY) | 10.83% | -19.16% | -25.82% | -19.37% | -2.28% | 12.03% | 20.27% | 16.33% | +3,571 bps | |
| Share Growth (YoY) | -11.29% | -9.37% | -15.86% | -12.33% | 1.87% | -13.79% | -9.91% | -13.31% | -98 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.32% | 4.14% | 2.92% | 2.55% | 1.67% | 0.61% | 1.03% | 0.92% | -164 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 | 0.36% | 0.41% | 0.45% | 0.49% | 0.64% | 0.18% | 0.19% | 0.19% | -30 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 18.06% | 17.14% | 17.79% | 18.11% | 17.84% | 19.38% | 19.50% | 20.46% | +235 bps | |
| Net Worth / Assets | 18.06% | 17.14% | 17.79% | 18.11% | 17.84% | 19.38% | 19.50% | 20.46% | +235 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 59.22% | 53.22% | 50.65% | 52.05% | 56.81% | 69.16% | 67.61% | 69.85% | +1,780 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |