New Castle, DE · Charter 11148
Q1 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2009, the quarter ended March 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.
New Castle, DE · Charter 11148
Q1 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 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.00% | -0.92% | -1.46% | -7.59% | -4.36% | -3.97% | -3.54% | -5.37% | +222 bps | |
| Return on Equity | -5.70% | -4.77% | -7.40% | -42.62% | -24.86% | -22.35% | -19.67% | -32.94% | +967 bps | |
| Net Interest Margin | 5.46% | 6.14% | 6.44% | 6.39% | 5.68% | 4.43% | 4.26% | 4.07% | -232 bps | |
| Efficiency Ratio | 108.03% | 105.88% | 109.07% | 103.18% | 109.21% | 119.72% | 122.32% | 161.68% | +5,851 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.61% | -17.39% | -10.11% | -16.62% | -14.48% | -10.17% | -8.48% | -6.61% | +1,002 bps | |
| Loan Growth (YoY) | -12.73% | -17.46% | -13.65% | -14.12% | -16.87% | -18.69% | -19.05% | -17.04% | -292 bps | |
| Share Growth (YoY) | -2.21% | -10.38% | -11.02% | -17.12% | -14.57% | -8.62% | -6.63% | -4.95% | +1,217 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.84% | 4.50% | 4.14% | 2.21% | 3.35% | 2.27% | 1.77% | 4.07% | +186 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 | 0.37% | 0.56% | 0.58% | 2.34% | 2.47% | 2.36% | 1.53% | 1.84% | -50 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 17.61% | 19.30% | 19.69% | 17.82% | 17.54% | 17.75% | 17.98% | 16.30% | -152 bps | |
| Net Worth / Assets | 17.61% | 19.30% | 19.69% | 17.82% | 17.54% | 17.75% | 17.98% | 16.30% | -152 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 91.44% | 100.74% | 102.68% | 93.87% | 88.97% | 89.63% | 89.03% | 81.94% | -1,193 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |