St. Louis, MO · Charter 67945
Q3 2010
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.39% | -3.20% | 1.54% | 0.37% | 3.49% | 0.34% | -1.21% | -2.46% | -283 bps | |
| Return on Equity | 2.77% | -34.31% | 17.02% | 4.33% | 36.71% | 3.54% | -12.88% | -30.89% | -3,522 bps | |
| Net Interest Margin | 5.57% | 4.56% | 4.74% | 4.68% | 3.87% | 4.21% | 3.17% | 3.22% | -146 bps | |
| Efficiency Ratio | 93.11% | 88.82% | 72.90% | 86.73% | 0.00% | 87.83% | 136.21% | 187.40% | +10,067 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.35% | 8.72% | 12.12% | 11.80% | 10.06% | 0.65% | -4.25% | -8.04% | -1,984 bps | |
| Loan Growth (YoY) | -12.44% | -3.26% | -3.58% | 11.99% | 12.25% | -1.92% | -17.14% | -36.72% | -4,871 bps | |
| Share Growth (YoY) | 2.03% | 15.56% | 19.01% | 18.21% | 17.21% | 1.00% | -3.68% | -6.75% | -2,496 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 20.30% | 14.19% | 0.00% | 14.39% | 0.00% | 19.63% | 24.72% | 13.27% | -112 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 | 6.82% | 13.53% | 11.47% | 11.67% | 12.29% | 9.30% | 10.91% | 11.92% | +25 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.21% | 9.32% | 9.03% | 8.59% | 9.50% | 9.51% | 9.40% | 7.96% | -63 bps | |
| Net Worth / Assets | 14.21% | 9.32% | 9.03% | 8.59% | 9.50% | 9.51% | 9.40% | 7.96% | -63 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 66.11% | 62.31% | 61.71% | 63.14% | 63.31% | 60.51% | 53.08% | 42.85% | -2,029 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |