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Advanta National Bank

Wilmington, DE · Cert 18664

FDIC

Q1 2010

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q1 2010, the quarter ended March 31, 2010, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Advanta National Bank

Wilmington, DE · Cert 18664

FDIC

Q1 2010

$107KAssets
n/aLoans
n/aDeposits
$-230KEquity
Deposit mix
0%Interest-bearing $0100%Noninterest $0Q1 2009Q1 2010

NIM

2.57%Q1 ’080.65%Q1 ’093.32%Q1 ’10-69%+411%

Non-interest income vs. expense

8.55%Q1 ’0811.28%Q1 ’09430%Q1 ’10-9%+5275%

Executive Summary

  • Earnings: ROA of -761.90%, down 75,731 bps year over year; NIM at 3.32%.

Financial Results

Return on Assets (YTD, annualized)

-762%-75,731 bps YoY

Net Interest Margin (YTD, annualized)

3.32%+267 bps YoY

Efficiency Ratio (YTD, annualized)

4100%+382,237 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ1 2009Q2 2009Q3 2009Q4 2009Q1 2010YoY ΔTrend
Earnings
Return on Assets-4.59%-3.06%-12.63%-24.30%-762%-75,731 bps
Return on Equity-16.40%-9.59%-36.69%-66.61%-874%-85,749 bps
Net Interest Margin0.65%0.74%1.04%1.57%3.32%+267 bps
Efficiency Ratio278%219%231%210%4100%+382,237 bps
Non-Interest Burden7.87%5.92%8.03%9.67%423%+41,488 bps
Growth
Asset Growth (YoY)-10.50%-29.70%-49.23%-89.35%-99.78%-8,928 bps
Loan Growth (YoY)-12.71%-10.15%-5.45%-5.63%-100.00%-8,729 bps
Deposit Growth (YoY)-14.53%-52.91%-54.04%-100.00%-100.00%-8,547 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%n/an/a
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans5.42%5.38%5.01%5.06%n/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital86.50%108.42%137.05%237%-2300%-238,650 bps
Equity / Assets28.36%44.58%50.03%92.95%-215%-24,332 bps
Liquidity & Funding
Loans / Deposits9.55%24.32%25.87%264900%n/an/a
Liquid Assets / Assets46.78%24.41%60.14%47.73%90.65%+4,388 bps
CRE / Total Capitaln/an/an/an/an/an/an/a