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Mbna America Bank, National Association

Wilmington, DE · Cert 33318

FDIC · 1 branch

Q3 2014

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2014, the quarter ended September 30, 2014, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Mbna America Bank, National Association

Wilmington, DE · Cert 33318

FDIC · 1 branch

Q3 2014

$127.0BAssets
$110.9BLoans
$84.6BDeposits
$18.5BEquity
Deposit mix
99%Interest-bearing $84.1B1%Noninterest $0.5BQ3 2013Q3 2014

NIM

8.60%Q3 ’127.73%Q3 ’138.18%Q3 ’14-9%+7%

Non-interest income vs. expense

3.63%Q3 ’123.13%Q3 ’133.47%Q3 ’14-35%-4%

Market Position · Philadelphia-Camden-Wilmington, PA-NJ-DE-MD · 2014 SOD (annual) · 21.7% share · #1 of 137 inst. · $110.6B of $510.2B

Executive Summary

  • Earnings: ROA of 3.01%, up 56 bps year over year; NIM at 7.98%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 2.92%.
  • Funding: loans stand at 131.11% of deposits as of Q3 2014.

Financial Results

Return on Assets (YTD, annualized)

3.01%+56 bps YoY

Net Interest Margin (YTD, annualized)

7.98%+49 bps YoY

Efficiency Ratio (YTD, annualized)

31.10%+91 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2013Q4 2013Q1 2014Q2 2014Q3 2014YoY ΔTrend
Earnings
Return on Assets2.45%2.67%3.48%3.18%3.01%+56 bps
Return on Equity20.04%21.80%28.95%26.74%24.18%+414 bps
Net Interest Margin7.49%7.57%7.37%7.50%7.98%+49 bps
Efficiency Ratio30.20%30.48%27.31%29.31%31.10%+91 bps
Non-Interest Burden1.41%1.36%-0.03%0.74%1.35%-5 bps
Growth
Asset Growth (YoY)-3.02%-5.48%-3.93%-4.59%-19.12%-1,610 bps
Loan Growth (YoY)-8.16%-4.26%-1.76%-0.74%-1.73%+643 bps
Deposit Growth (YoY)8.75%2.32%3.34%0.27%-24.34%-3,309 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans3.61%3.44%3.18%3.01%2.92%-69 bps
Allowance / Loansn/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital17.00%18.12%n/an/an/an/a
Equity / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits100.94%101.20%97.73%100.99%131.11%+3,017 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/a