Newark, DE · Charter 18947
Q1 2015
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 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.08% | -0.07% | -0.26% | 0.20% | 0.12% | 0.22% | 0.29% | 0.55% | +35 bps | |
| Return on Equity | -0.60% | -0.57% | -2.01% | 1.63% | 0.90% | 1.64% | 2.16% | 4.07% | +244 bps | |
| Net Interest Margin | 1.81% | 1.83% | 1.85% | 1.75% | 1.88% | 1.96% | 1.99% | 2.17% | +42 bps | |
| Efficiency Ratio | 92.58% | 95.35% | 95.68% | 85.91% | 88.36% | 85.33% | 86.15% | 75.35% | -1,056 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.24% | 2.90% | 1.76% | 4.91% | -1.22% | -2.30% | -0.41% | -5.25% | -1,016 bps | |
| Loan Growth (YoY) | -17.11% | -13.44% | -6.05% | -2.58% | 8.07% | 11.41% | 3.55% | 7.66% | +1,024 bps | |
| Share Growth (YoY) | 4.96% | 3.45% | 2.37% | 5.94% | -1.21% | -2.53% | -0.83% | -6.32% | -1,226 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.92% | 0.88% | 0.70% | 0.68% | 0.24% | 0.49% | 0.76% | 0.15% | -53 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 | 1.12% | 1.16% | 1.48% | 1.62% | 1.34% | 1.41% | 1.14% | 0.91% | -70 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.02% | 13.02% | 12.92% | 12.41% | 13.02% | 13.28% | 13.26% | 13.47% | +106 bps | |
| Net Worth / Assets | 13.02% | 13.02% | 12.92% | 12.41% | 13.02% | 13.28% | 13.26% | 13.47% | +106 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 27.47% | 27.10% | 28.68% | 26.37% | 30.05% | 30.97% | 29.95% | 30.31% | +394 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |