Newark, DE · Charter 15181
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.
Newark, DE · Charter 15181
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 | 3.27% | 3.20% | 3.10% | 2.41% | 2.10% | 2.24% | -17.62% | -2.38% | -479 bps | |
| Return on Equity | 8.76% | 8.50% | 8.17% | 6.18% | 5.37% | 5.43% | -52.63% | -6.35% | -1,253 bps | |
| Net Interest Margin | 7.49% | 7.63% | 7.31% | 7.13% | 6.73% | 7.17% | 8.60% | 4.29% | -285 bps | |
| Efficiency Ratio | 56.66% | 58.75% | 58.37% | 66.28% | 69.08% | 68.98% | 71.17% | 154.38% | +8,810 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -14.68% | -6.99% | -7.04% | -2.21% | -0.03% | -2.70% | -25.78% | -34.03% | -3,183 bps | |
| Loan Growth (YoY) | -4.49% | -6.27% | -3.38% | -0.06% | -3.61% | -3.94% | -21.19% | -43.33% | -4,327 bps | |
| Share Growth (YoY) | -23.95% | -13.07% | -13.95% | -6.88% | -2.83% | -8.23% | -20.61% | -34.80% | -2,792 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.95% | 3.01% | 3.01% | 3.64% | 6.38% | 6.37% | 4.18% | 0.00% | -364 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 | 2.36% | 1.39% | 1.39% | 1.37% | 1.45% | 1.45% | 17.74% | 9.38% | +801 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 37.29% | 37.70% | 37.93% | 38.93% | 39.09% | 41.18% | 33.48% | 37.47% | -146 bps | |
| Net Worth / Assets | 37.29% | 37.70% | 37.93% | 38.93% | 39.09% | 41.18% | 33.48% | 37.47% | -146 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 93.73% | 94.83% | 95.07% | 97.96% | 92.98% | 99.25% | 94.37% | 85.14% | -1,281 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |