Seaford, DE · Charter 19930
Q3 2013
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 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.61% | 0.14% | 0.41% | -0.07% | -0.42% | -2.53% | -0.97% | -0.51% | -44 bps | |
| Return on Equity | -7.91% | 1.88% | 5.32% | -0.88% | -5.80% | -39.86% | -14.57% | -7.23% | -635 bps | |
| Net Interest Margin | 6.38% | 5.54% | 5.55% | 5.62% | 5.73% | 5.26% | 5.36% | 5.54% | -8 bps | |
| Efficiency Ratio | 89.12% | 88.05% | 87.91% | 89.30% | 89.73% | 94.30% | 90.99% | 89.89% | +59 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -13.38% | -2.69% | -0.03% | -1.56% | 0.31% | -1.98% | -1.98% | -4.25% | -269 bps | |
| Loan Growth (YoY) | -18.40% | -14.57% | -11.10% | -3.49% | -2.69% | -2.47% | -2.03% | -10.54% | -705 bps | |
| Share Growth (YoY) | -10.79% | -2.77% | -0.76% | -2.50% | 1.32% | -1.22% | -1.18% | -3.00% | -50 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.79% | 1.37% | 2.06% | 2.51% | 1.97% | 2.22% | 1.20% | 0.69% | -182 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 | 1.38% | 1.43% | 1.49% | 1.60% | 1.51% | 2.38% | 2.21% | 1.79% | +19 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.70% | 7.27% | 7.61% | 7.47% | 7.26% | 6.35% | 6.66% | 7.04% | -43 bps | |
| Net Worth / Assets | 7.70% | 7.27% | 7.61% | 7.47% | 7.26% | 6.35% | 6.66% | 7.04% | -43 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 94.20% | 83.15% | 85.29% | 90.54% | 90.47% | 82.10% | 84.56% | 83.51% | -704 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 98.29% | 0.00% | 0.00% | 0 bps | |