Wilmington, DE · Cert 18664
FDIC
Q1 2010
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -3.74% | -2.39% | -1.44% | -4.59% | -3.06% | -12.63% | -24.30% | -762% | -75,731 bps | |
| Return on Equity | -11.99% | -7.53% | -4.66% | -16.40% | -9.59% | -36.69% | -66.61% | -874% | -85,749 bps | |
| Net Interest Margin | 1.86% | 1.81% | 1.50% | 0.65% | 0.74% | 1.04% | 1.57% | 3.32% | +267 bps | |
| Efficiency Ratio | 416% | 211% | 148.81% | 278% | 219% | 231% | 210% | 4100% | +382,237 bps | |
| Non-Interest Burden | 8.46% | 6.12% | 4.01% | 7.87% | 5.92% | 8.03% | 9.67% | 423% | +41,488 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 23.58% | 18.54% | 22.66% | -10.50% | -29.70% | -49.23% | -89.35% | -99.78% | -8,928 bps | |
| Loan Growth (YoY) | -6.97% | -12.64% | -12.66% | -12.71% | -10.15% | -5.45% | -5.63% | -100.00% | -8,729 bps | |
| Deposit Growth (YoY) | 56.92% | 47.23% | 47.86% | -14.53% | -52.91% | -54.04% | -100.00% | -100.00% | -8,547 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | n/a | n/a | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 5.54% | 5.34% | 5.38% | 5.42% | 5.38% | 5.01% | 5.06% | n/a | n/a | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 87.53% | 86.91% | 137.25% | 86.50% | 108.42% | 137.05% | 237% | -2300% | -238,650 bps | |
| Equity / Assets | 32.43% | 33.56% | 27.65% | 28.36% | 44.58% | 50.03% | 92.95% | -215% | -24,332 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 12.74% | 12.57% | 8.84% | 9.55% | 24.32% | 25.87% | 264900% | n/a | n/a | |
| Liquid Assets / Assets | 0.12% | 0.15% | 78.30% | 46.78% | 24.41% | 60.14% | 47.73% | 90.65% | +4,388 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |