Wilmington, DE · Charter 15065
Q2 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2014, the quarter ended June 30, 2014, 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.
Wilmington, DE · Charter 15065
Q2 2014
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 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.01% | -1.92% | -0.12% | -0.09% | -0.05% | -0.18% | -0.24% | -0.28% | -19 bps | |
| Return on Equity | 0.10% | -15.92% | -0.98% | -0.75% | -0.43% | -1.47% | -1.96% | -2.28% | -153 bps | |
| Net Interest Margin | 2.58% | 2.64% | 2.32% | 2.38% | 2.39% | 2.36% | 2.10% | 2.06% | -32 bps | |
| Efficiency Ratio | 97.52% | 111.52% | 103.17% | 102.41% | 101.39% | 103.95% | 107.04% | 108.15% | +574 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.08% | -1.01% | -1.44% | -3.47% | -7.75% | -3.75% | -3.32% | -0.86% | +262 bps | |
| Loan Growth (YoY) | -18.60% | -24.46% | -22.39% | -25.94% | -23.32% | -18.50% | -20.74% | -18.52% | +743 bps | |
| Share Growth (YoY) | -2.28% | 0.99% | 0.87% | -0.63% | -5.06% | -2.47% | -2.64% | -0.48% | +15 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 10.57% | 7.99% | 7.95% | 3.81% | 5.17% | 3.92% | 3.79% | 5.20% | +140 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 | 0.60% | 2.85% | 3.12% | 2.55% | 2.55% | 1.82% | 1.61% | 1.87% | -68 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.53% | 12.09% | 11.92% | 12.31% | 12.61% | 12.38% | 12.12% | 12.15% | -17 bps | |
| Net Worth / Assets | 13.53% | 12.09% | 11.92% | 12.31% | 12.61% | 12.38% | 12.12% | 12.15% | -17 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 27.43% | 24.68% | 22.83% | 21.46% | 22.16% | 20.62% | 18.58% | 17.57% | -389 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |