Wilmington, DE · Cert 30890
FDIC
Q1 2013
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 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.76% | -0.30% | -6.52% | -6.34% | -11.33% | -12.63% | -19.32% | -26.51% | -2,017 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | -57.59% | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | 0.96% | 0.47% | 1.53% | -0.62% | 0.34% | -62 bps | |
| Efficiency Ratio | n/a | n/a | n/a | 408% | n/a | n/a | n/a | 1100% | +69,212 bps | |
| Non-Interest Burden | n/a | n/a | n/a | 3.30% | 8.40% | 32.75% | 56.86% | 25.45% | +2,216 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.59% | 4.26% | -4.49% | -16.77% | -84.01% | -88.90% | -88.91% | -91.71% | -7,494 bps | |
| Loan Growth (YoY) | -5.57% | -7.13% | -19.31% | -72.30% | -98.84% | -99.98% | -100.00% | -100.00% | -2,770 bps | |
| Deposit Growth (YoY) | -3.17% | 6.31% | 4.79% | -10.49% | -96.00% | -99.99% | -99.98% | -99.98% | -8,950 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | n/a | n/a | n/a | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | -3.54% | -45.21% | -1988% | 19300% | n/a | n/a | |
| Allowance / Loans | n/a | n/a | n/a | 0.00% | 0.00% | 0.00% | n/a | n/a | 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 | 19.49% | 520% | 985% | 562% | 724% | +70,440 bps | |
| Equity / Assets | n/a | n/a | n/a | 13.58% | 55.30% | 67.97% | 41.52% | 52.62% | +3,904 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 27.35% | 25.77% | 22.61% | 8.98% | 7.92% | 32.20% | 0.00% | 0.00% | -898 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 28.86% | 85.18% | 91.06% | 90.66% | 87.81% | +5,895 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |