Wilmington, DE · Cert 27606
FDIC
Q4 2001
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2001, the quarter ended December 31, 2001, 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.
Wilmington, DE · Cert 27606
FDIC
Q4 2001
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 | Q1 2000 | Q2 2000 | Q3 2000 | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.13% | 0.81% | 0.74% | 0.75% | -2.71% | -1.85% | -1.40% | -2.06% | -281 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | 3.95% | 5.34% | 6.82% | 6.70% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | 78.85% | 69.36% | 64.64% | 62.24% | n/a | |
| Non-Interest Burden | n/a | n/a | n/a | n/a | 2.89% | 3.34% | 3.95% | 3.67% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 35.46% | 25.54% | 27.95% | 27.42% | 14.04% | -1.52% | -16.88% | -23.98% | -5,140 bps | |
| Loan Growth (YoY) | 30.95% | 20.02% | 24.08% | 26.43% | 17.31% | 1.98% | -16.05% | -21.68% | -4,811 bps | |
| Deposit Growth (YoY) | -63.05% | -22.72% | -11.59% | -15.87% | 3.81% | -0.99% | 1.84% | -8.17% | +770 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 | n/a | n/a | n/a | 3.41% | 4.05% | 4.31% | 4.49% | n/a | |
| Allowance / Loans | n/a | n/a | n/a | n/a | 1.90% | 1.92% | 2.00% | 3.57% | n/a | |
| 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 | n/a | n/a | n/a | 13.90% | 13.97% | 14.33% | 13.78% | n/a | |
| Equity / Assets | n/a | n/a | n/a | n/a | 9.39% | 9.42% | 9.64% | 8.91% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 20097% | 23805% | 30093% | 27935% | 22711% | 24518% | 24807% | 23824% | -411,096 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.05% | 0.06% | 0.05% | 0.05% | +5 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |