Wilmington, DE · Cert 33318
FDIC · 1 branch
Q3 2014
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Wilmington, DE · Cert 33318
FDIC · 1 branch
Q3 2014
Market Position · Philadelphia-Camden-Wilmington, PA-NJ-DE-MD · 2014 SOD (annual) · 21.7% share · #1 of 137 inst. · $110.6B of $510.2B
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 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.56% | 2.26% | 2.30% | 2.45% | 2.67% | 3.48% | 3.18% | 3.01% | +56 bps | |
| Return on Equity | 19.33% | 17.91% | 18.38% | 20.04% | 21.80% | 28.95% | 26.74% | 24.18% | +414 bps | |
| Net Interest Margin | 7.95% | 7.30% | 7.47% | 7.49% | 7.57% | 7.37% | 7.50% | 7.98% | +49 bps | |
| Efficiency Ratio | 32.75% | 29.45% | 30.34% | 30.20% | 30.48% | 27.31% | 29.31% | 31.10% | +91 bps | |
| Non-Interest Burden | 2.07% | 1.36% | 1.41% | 1.41% | 1.36% | -0.03% | 0.74% | 1.35% | -5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.27% | 0.83% | 1.68% | -3.02% | -5.48% | -3.93% | -4.59% | -19.12% | -1,610 bps | |
| Loan Growth (YoY) | -10.94% | -12.23% | -9.90% | -8.16% | -4.26% | -1.76% | -0.74% | -1.73% | +643 bps | |
| Deposit Growth (YoY) | 20.63% | 9.96% | 9.20% | 8.75% | 2.32% | 3.34% | 0.27% | -24.34% | -3,309 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 | 4.78% | 3.93% | 3.84% | 3.61% | 3.44% | 3.18% | 3.01% | 2.92% | -69 bps | |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 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 | 18.64% | 18.67% | 18.08% | 17.00% | 18.12% | n/a | n/a | n/a | n/a | |
| Equity / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 108.15% | 102.81% | 102.02% | 100.94% | 101.20% | 97.73% | 100.99% | 131.11% | +3,017 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 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 |