Dover, DE · Charter 20900
Q1 2010
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.45% | -1.21% | -2.12% | -3.26% | 0.05% | 0.18% | -0.39% | 0.11% | +338 bps | |
| Return on Equity | -21.34% | -17.20% | -33.12% | -61.27% | 0.80% | 2.71% | -6.60% | 1.95% | +6,322 bps | |
| Net Interest Margin | 4.62% | 4.92% | 5.31% | 5.10% | 5.01% | 5.11% | 5.05% | 4.46% | -65 bps | |
| Efficiency Ratio | 111.34% | 106.76% | 119.83% | 87.78% | 71.41% | 75.88% | 78.09% | 79.30% | -848 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.63% | -6.16% | -10.29% | -10.90% | -7.78% | -6.15% | 1.09% | -1.36% | +954 bps | |
| Loan Growth (YoY) | -2.67% | -3.76% | -4.90% | -5.11% | -12.38% | -10.41% | -11.27% | -8.00% | -289 bps | |
| Share Growth (YoY) | -3.70% | -5.17% | -7.35% | -9.09% | -6.62% | -4.85% | 0.35% | -0.41% | +868 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.27% | 0.71% | 1.02% | 1.05% | 1.50% | 2.92% | 2.69% | 1.66% | +61 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 | 0.96% | 0.86% | 1.01% | 0.98% | 1.12% | 1.00% | 1.94% | 1.34% | +36 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 6.82% | 7.04% | 6.40% | 5.32% | 6.17% | 6.64% | 5.94% | 5.87% | +54 bps | |
| Net Worth / Assets | 6.82% | 7.04% | 6.40% | 5.32% | 6.17% | 6.64% | 5.94% | 5.87% | +54 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 83.29% | 85.55% | 89.24% | 82.51% | 78.15% | 80.55% | 78.90% | 76.22% | -629 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |