Wilmington, DE · Cert 11653
FDIC
Q2 2003
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.57% | 9.66% | 2.68% | 3.31% | 3.47% | 5.60% | 4.09% | 5.55% | +223 bps | |
| Return on Equity | n/a | n/a | 11.75% | 15.56% | 17.39% | 27.99% | 17.38% | 27.78% | +1,221 bps | |
| Net Interest Margin | 3.41% | 3.40% | 1.05% | 2.02% | 2.53% | 3.32% | 3.75% | 2.62% | +60 bps | |
| Efficiency Ratio | 58.22% | 19.26% | 38.25% | 30.13% | 29.08% | 26.17% | 27.06% | 26.80% | -334 bps | |
| Non-Interest Burden | 0.81% | -12.05% | -3.02% | -4.42% | -4.48% | -5.06% | -2.68% | -2.62% | +180 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 | 0.04% | 0.49% | 0.11% | -0.42% | -1.49% | -0.55% | -5.20% | -5.24% | -483 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 |