Wilmington, DE · Cert 11653
FDIC
Q2 2003
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.92% | 44.93% | 2.68% | 4.18% | 3.16% | 16.52% | 4.09% | 7.50%1 | +331 bps | |
| Return on Equity | 8.89% | 359% | 11.75% | 19.95% | 18.78% | 100.73% | 17.38% | 37.82% | +1,787 bps | |
| Net Interest Margin | 2.60% | 2.18% | 1.05% | 2.78% | 2.86% | 3.71% | 3.75% | 2.18% | -61 bps | |
| Efficiency Ratio | 72.06% | 4.67% | 38.25% | 24.09% | 26.26% | 12.54% | 27.06% | 26.53% | +244 bps | |
| Non-Interest Burden | 1.13% | -50.91% | -3.02% | -5.23% | -3.06% | -3.29% | -2.68% | -3.04% | +219 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.36% | -76.16% | -75.71% | -66.10% | -83.68% | -52.33% | -55.82% | -38.22% | +2,787 bps | |
| Loan Growth (YoY) | -14.67% | -90.84% | -92.96% | -91.53% | -99.00% | -83.70% | -78.32% | -81.14% | +1,039 bps | |
| Deposit Growth (YoY) | -4.09% | -87.56% | -85.85% | -74.70% | -88.51% | -6.53% | -40.73% | -21.84% | +5,287 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | -0.03% | 0.75% | 0.11% | -0.93% | 2.19% | 0.54% | -5.20% | -5.13% | -419 bps | |
| Allowance / Loans | 0.56% | 0.35% | 0.45% | 0.66% | 0.63% | 0.79% | 2.09% | 0.36% | -29 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 19.21% | 40.90% | 55.14% | 48.32% | 33.84% | 68.80% | 89.96% | 49.98% | +167 bps | |
| Equity / Assets | 9.85% | 21.91% | 23.98% | 18.73% | 13.16% | 20.30% | 27.84% | 15.56% | -317 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 78.78% | 66.04% | 43.08% | 28.06% | 6.89% | 11.52% | 15.76% | 6.77% | -2,129 bps | |
| Liquid Assets / Assets | 0.72% | 2.25% | 2.53% | 1.64% | 2.78% | 2.88% | 3.24% | 1.43% | -21 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |