New Castle, DE · Cert 26747
FDIC
Q3 2002
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 | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.07% | 3.03% | 2.56% | 0.08% | -0.43% | 0.37% | 4.86% | 7.89% | +781 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | 3.32% | 34.32% | 42.39% | n/a | |
| Net Interest Margin | n/a | 4.95% | 5.97% | 0.33% | 0.48% | 0.38% | 0.33% | 0.41% | +8 bps | |
| Efficiency Ratio | n/a | 92.35% | 90.51% | 82.59% | 161.66% | 48.45% | 4.62% | 1.65% | -8,094 bps | |
| Non-Interest Burden | n/a | -0.35% | -0.65% | 0.24% | 1.02% | -0.08% | -8.93% | -21.76% | -2,200 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 15.78% | -21.82% | -14.59% | 22.52% | 2.66% | 46.62% | -48.02% | -84.08% | -10,660 bps | |
| Loan Growth (YoY) | 4.57% | -32.25% | -16.33% | -71.94% | -95.28% | -17.06% | -99.19% | -32.58% | +3,936 bps | |
| Deposit Growth (YoY) | -69.66% | -50.63% | -9.22% | -45.59% | 124.10% | 116.78% | 114.78% | 97.63% | +14,322 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | 10.30% | 9.83% | 0.03% | 0.10% | 0.00% | 0.00% | 0.00% | -3 bps | |
| Allowance / Loans | n/a | 3.48% | 2.33% | 0.25% | 0.56% | 0.04% | 3.90% | 0.02% | -24 bps | |
| 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 | n/a | 16.87% | 18.16% | 18.95% | 13.27% | 16.00% | 35.44% | 182.99% | +16,404 bps | |
| Equity / Assets | n/a | 17.24% | 17.72% | 7.89% | 11.15% | 10.89% | 30.33% | 82.36% | +7,447 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 65743% | 48944% | 52425% | 27143% | 1384% | 18726% | 198.28% | 9259% | -1,788,369 bps | |
| Liquid Assets / Assets | 0.00% | 0.22% | 0.22% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |