St. Louis, MO · Charter 68051
Q2 2007
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 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.02% | 1.35% | -10.39% | -6.12% | -2.67% | -0.78% | 4.70% | 3.32% | +945 bps | |
| Return on Equity | 0.17% | 9.82% | -77.50% | -46.05% | -18.31% | -5.21% | 27.81% | 18.54% | +6,459 bps | |
| Net Interest Margin | 4.41% | 4.81% | 5.97% | 5.99% | 6.25% | 5.92% | 5.74% | 5.02% | -98 bps | |
| Efficiency Ratio | 77.72% | 70.37% | 69.91% | 74.45% | 69.13% | 62.27% | 17.53% | 36.73% | -3,773 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.26% | -4.82% | -16.96% | -15.69% | -18.05% | -13.07% | 0.09% | 1.52% | +1,721 bps | |
| Loan Growth (YoY) | -17.67% | 0.68% | -6.71% | 16.32% | 52.73% | 50.89% | 52.88% | -4.45% | -2,077 bps | |
| Share Growth (YoY) | -4.93% | -6.92% | -17.07% | -14.85% | -20.11% | -14.40% | -3.89% | -3.41% | +1,143 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 35.26% | 27.10% | 28.82% | 19.77% | 19.60% | 43.54% | 64.80% | 68.34% | +4,857 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 | 12.62% | 10.77% | 21.70% | 13.95% | 11.86% | 11.87% | 12.78% | 13.56% | -39 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.28% | 13.74% | 13.41% | 13.30% | 14.59% | 15.02% | 16.89% | 17.92% | +462 bps | |
| Net Worth / Assets | 12.28% | 13.74% | 13.41% | 13.30% | 14.59% | 15.02% | 16.89% | 17.92% | +462 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 33.52% | 33.75% | 35.94% | 55.40% | 64.09% | 59.49% | 57.16% | 54.81% | -60 bps | |
| Liquid Assets / Assets | 70.63% | 70.51% | 72.23% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |