New Castle, DE · Cert 33560
FDIC
Q2 2002
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 | Q3 2000 | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.36% | 0.30% | 9.69% | 6.51% | 5.24% | 2.79% | 0.24% | 3.46% | -305 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | 0.32% | 4.49% | n/a | |
| Net Interest Margin | n/a | n/a | 14.14% | 11.54% | 10.42% | 8.46% | 4.89% | 4.85% | -669 bps | |
| Efficiency Ratio | n/a | n/a | 55.98% | 29.88% | 25.93% | 24.57% | 18.99% | 15.79% | -1,409 bps | |
| Non-Interest Burden | n/a | n/a | 10.32% | 3.32% | 2.58% | 1.97% | 0.80% | 0.72% | -261 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -26.45% | -28.76% | 11.23% | 7.28% | 18.70% | 21.17% | -6.45% | 4.32% | -296 bps | |
| Loan Growth (YoY) | -48.18% | -45.51% | -45.89% | -54.74% | -52.40% | -61.83% | -61.25% | -56.75% | -201 bps | |
| Deposit Growth (YoY) | -83.89% | -87.04% | -86.75% | -83.33% | -89.68% | -80.00% | -74.19% | -57.14% | +2,619 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 | 11.87% | 18.79% | 17.58% | 17.33% | 11.55% | 8.82% | -996 bps | |
| Allowance / Loans | n/a | n/a | 0.51% | 0.56% | 0.58% | 12.10% | 17.90% | 9.34% | +878 bps | |
| 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 | 126.10% | 159.80% | 163.63% | 185.07% | 225% | 242% | +8,171 bps | |
| Equity / Assets | n/a | n/a | 72.64% | 83.17% | 66.48% | 72.57% | 78.22% | 81.29% | -187 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 38167% | 58432% | 121342% | 136262% | 176085% | 111512% | 182225% | 137522% | +126,032 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 |