Edgemoor, DE · Charter 2080
Q4 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2015, the quarter ended December 31, 2015, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Edgemoor, DE · Charter 2080
Q4 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 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.06% | -2.51% | -1.85% | -1.46% | -0.16% | -0.03% | 0.04% | -2.71% | -125 bps | |
| Return on Equity | -11.82% | -14.70% | -10.32% | -8.16% | -0.86% | -0.15% | 0.20% | -15.23% | -707 bps | |
| Net Interest Margin | 3.01% | 3.30% | 3.58% | 3.65% | 3.87% | 4.08% | 4.17% | 4.39% | +74 bps | |
| Efficiency Ratio | 145.84% | 134.34% | 125.51% | 119.36% | 103.83% | 100.47% | 99.01% | 112.66% | -670 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.69% | 1.65% | -5.36% | -9.85% | -7.99% | -9.01% | -5.92% | -12.67% | -282 bps | |
| Loan Growth (YoY) | 3.01% | -2.51% | -7.58% | -7.00% | -4.00% | -4.64% | -4.53% | -21.32% | -1,432 bps | |
| Share Growth (YoY) | 3.34% | 5.21% | -4.02% | -10.29% | -8.54% | -10.69% | -7.16% | -12.50% | -220 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.97% | 1.52% | 0.61% | 3.16% | 3.49% | 1.11% | 2.78% | 5.68% | +251 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 | 0.43% | 0.79% | 0.63% | 0.76% | 0.77% | 0.81% | 0.84% | 2.30% | +154 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 17.42% | 17.05% | 17.89% | 17.93% | 17.99% | 18.58% | 18.97% | 17.82% | -11 bps | |
| Net Worth / Assets | 17.42% | 17.05% | 17.89% | 17.93% | 17.99% | 18.58% | 18.97% | 17.82% | -11 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 76.64% | 75.99% | 78.33% | 79.56% | 80.44% | 81.14% | 80.55% | 71.53% | -803 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |