Webster Groves, MO · Charter 67958
Q4 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2009, the quarter ended December 31, 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.
Webster Groves, MO · Charter 67958
Q4 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 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.35% | 0.48% | 0.59% | 0.56% | -2.31% | 0.66% | 0.77% | -1.62% | -218 bps | |
| Return on Equity | 2.13% | 3.04% | 3.64% | 3.29% | -14.72% | 4.30% | 4.73% | -9.79% | -1,308 bps | |
| Net Interest Margin | 4.17% | 3.97% | 4.03% | 4.40% | 4.48% | 4.36% | 4.76% | 3.16% | -124 bps | |
| Efficiency Ratio | 91.72% | 88.13% | 85.47% | 85.33% | 81.88% | 76.12% | 78.18% | 143.32% | +5,799 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.49% | -2.63% | -5.70% | -0.83% | 3.15% | 6.34% | 4.03% | -6.44% | -561 bps | |
| Loan Growth (YoY) | -9.78% | -6.52% | 23.96% | 13.93% | 18.43% | 20.39% | 6.47% | -8.34% | -2,226 bps | |
| Share Growth (YoY) | -9.49% | -3.71% | -7.13% | -1.32% | 4.13% | 5.32% | -4.93% | -5.06% | -374 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.56% | 1.50% | 1.25% | 1.34% | 1.32% | 1.24% | 1.18% | 2.60% | +126 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 | 0.72% | 0.69% | 0.67% | 0.71% | 0.70% | 0.76% | 0.72% | 0.89% | +18 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 16.34% | 15.69% | 16.22% | 16.97% | 15.72% | 15.36% | 16.38% | 16.52% | -45 bps | |
| Net Worth / Assets | 16.34% | 15.69% | 16.22% | 16.97% | 15.72% | 15.36% | 16.38% | 16.52% | -45 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 94.23% | 92.83% | 114.03% | 111.99% | 107.17% | 106.11% | 127.70% | 108.13% | -387 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |