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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.78% | 3.35% | 3.48% | 2.87% | 2.53% | -25 bps | |
| Return on Equity | 23.50% | 28.32% | 28.95% | 24.43% | 19.52% | -398 bps | |
| Net Interest Margin | 7.50% | 7.50% | 7.37% | 7.41% | 7.99% | +49 bps | |
| Efficiency Ratio | 29.92% | 31.27% | 27.31% | 31.71% | 35.35% | +543 bps | |
| Non-Interest Burden | 1.41% | 1.14% | -0.03% | 1.51% | 2.49% | +108 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 / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 3.17% | 3.20% | 3.18% | 2.86% | 2.71% | -46 bps | |
| Allowance / Loans | 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 |
| Capital | |||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 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 |
| Liquidity & Funding | |||||||
| Loans / Deposits | 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 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |