Townsend, DE · Charter 18268
Q3 2011
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 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.16% | -2.57% | -1.35% | 5.44% | 0.20% | -65.52% | -39.67% | -18.22% | -2,366 bps | |
| Return on Equity | 0.91% | -15.03% | -7.75% | 30.45% | 1.09% | -1184% | -696% | -560% | -59,084 bps | |
| Net Interest Margin | 4.43% | 3.89% | 3.67% | 4.49% | 4.69% | 5.89% | 5.87% | 3.38% | -111 bps | |
| Efficiency Ratio | 96.50% | 103.86% | 84.79% | 42.73% | 88.91% | 42.38% | 102.12% | 121.24% | +7,851 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.73% | -2.85% | -8.77% | -4.56% | -9.26% | -23.22% | -30.92% | 6.35% | +1,091 bps | |
| Loan Growth (YoY) | -8.17% | -5.72% | -25.71% | 3.57% | 14.04% | -10.77% | -22.35% | -36.21% | -3,978 bps | |
| Share Growth (YoY) | -5.35% | -3.05% | -10.09% | -5.23% | -10.91% | -12.52% | -21.16% | 25.25% | +3,049 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 41.90% | 38.34% | 33.69% | 31.47% | 27.02% | 13.54% | 16.16% | 23.89% | -758 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 | 5.98% | 3.16% | 3.37% | 3.01% | 2.73% | 16.68% | 18.18% | 19.75% | +1,674 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 17.27% | 17.09% | 17.37% | 17.85% | 18.77% | 5.53% | 5.70% | 3.25% | -1,460 bps | |
| Net Worth / Assets | 17.27% | 17.09% | 17.37% | 17.85% | 18.77% | 5.53% | 5.70% | 3.25% | -1,460 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 69.92% | 68.98% | 66.50% | 76.42% | 89.51% | 70.36% | 65.50% | 38.92% | -3,750 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |