Wilmington, DE · Charter 17217
Q4 1998
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 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.24% | 3.32% | 3.68% | 3.74% | 3.21% | 3.25% | 3.39% | 3.54% | -20 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | n/a | n/a | -11.31% | -9.48% | -1.49% | -3.65% | 3.52% | 5.73% | +1,521 bps | |
| Loan Growth (YoY) | n/a | n/a | 17.52% | 6.75% | 9.60% | 8.18% | 1.29% | -12.72% | -1,947 bps | |
| Share Growth (YoY) | n/a | n/a | -12.90% | -9.60% | -2.58% | -4.75% | 2.84% | 5.05% | +1,465 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.06% | 2.65% | 2.63% | 1.56% | 1.10% | 1.20% | 0.67% | 1.60% | +4 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 | 1.21% | 1.31% | 1.34% | 1.27% | 0.93% | 1.08% | 1.03% | 0.86% | -41 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 69.27% | 69.16% | 72.55% | 81.14% | 77.93% | 78.54% | 71.46% | 67.41% | -1,373 bps | |
| Liquid Assets / Assets | 18.25% | 22.58% | 20.68% | 12.64% | 12.01% | 16.13% | 20.98% | 23.85% | +1,120 bps | |