Yorklyn, DE · Charter 10496
Q3 2003
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.70% | 0.08% | -0.93% | -1.12% | -1.33% | -1.21% | -0.97% | -0.87% | +25 bps | |
| Return on Equity | 4.55% | 0.22% | -2.38% | -2.99% | -3.37% | -2.98% | -2.25% | -1.97% | +103 bps | |
| Net Interest Margin | 5.11% | 3.57% | 2.55% | 2.27% | 1.82% | 2.59% | 2.63% | 2.51% | +25 bps | |
| Efficiency Ratio | 66.89% | 97.65% | 136.41% | 149.32% | 173.10% | 146.62% | 136.69% | 134.64% | -1,468 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -12.08% | -7.92% | -12.32% | -9.58% | -10.51% | -8.96% | -11.46% | -17.69% | -811 bps | |
| Loan Growth (YoY) | -29.49% | -33.16% | -38.21% | -23.58% | 45.22% | -15.47% | 35.28% | -5.38% | +1,820 bps | |
| Share Growth (YoY) | -18.48% | -12.39% | -17.11% | -11.66% | -14.24% | -9.83% | -16.16% | -28.71% | -1,705 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 3.46% | 11.69% | 12.04% | 1.02% | 4.37% | 6.29% | 0.00% | -1,204 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 | 9.17% | 7.54% | 14.94% | 10.01% | 9.15% | 11.54% | 11.63% | 12.56% | +255 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 37.39% | 38.29% | 39.15% | 37.41% | 39.59% | 40.39% | 42.80% | 44.30% | +689 bps | |
| Net Worth / Assets | 37.39% | 38.29% | 39.15% | 37.41% | 39.59% | 40.39% | 42.80% | 44.30% | +689 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 15.59% | 23.01% | 14.70% | 18.23% | 26.40% | 21.57% | 23.71% | 24.20% | +597 bps | |
| Liquid Assets / Assets | 90.45% | 86.33% | 91.78% | 89.04% | 84.86% | 87.86% | 87.26% | 87.75% | -129 bps | |