Christiana Bank and Trust Company, The

Greenville, DE · Cert 33875

FDIC

Q3 2010

$199.5MAssets

$115.2MLoans

$161.3MDeposits

$34.9MEquity

Loan mix

Deposit mix

NIM

Earnings: ROA of -0.20%, down 19 bps year over year; NIM at 2.61%.
Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 8.10%.
Funding: loans stand at 71.44% of deposits as of Q3 2010.

Return on Assets (quarter, annualized)

-0.20%-19 bps YoY

Net Interest Margin (quarter, annualized)

2.61%+35 bps YoY

Efficiency Ratio (quarter, annualized)

74.47%+751 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

Metric	Q3 2009	Q4 2009	Q1 2010	Q2 2010	Q3 2010	YoY Δ	Trend
Earnings
Return on Assets	-0.01%	-31.04%	0.48%	-16.16%	-0.20%	-19 bps
Return on Equity	-0.06%	-159.47%	2.64%	-85.34%	-1.18%	-112 bps
Net Interest Margin	2.26%	2.10%	2.40%	2.78%	2.61%	+35 bps
Efficiency Ratio	66.95%	63.93%	69.71%	70.10%	74.47%	+751 bps
Non-Interest Burden	0.86%	30.96%	0.98%	16.66%	1.29%	+43 bps
Growth
Asset Growth (YoY)	39.75%	13.25%	-26.72%	-20.42%	-27.91%	-6,766 bps
Loan Growth (YoY)	-11.10%	-9.41%	-15.88%	-21.10%	-10.86%	+24 bps
Deposit Growth (YoY)	50.85%	31.21%	-24.79%	-12.41%	-22.82%	-7,367 bps
Asset Quality
Nonperforming Loans / Loans	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Net Charge-Offs / Loans	2.91%	3.65%	1.44%	2.15%	8.10%	+519 bps
Allowance / Loans	2.07%	2.58%	2.60%	3.02%	1.90%	-16 bps
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	13.77%	15.51%	16.06%	16.73%	16.79%	+302 bps
Equity / Assets	23.34%	15.58%	21.48%	16.50%	17.51%	-583 bps
Liquidity & Funding
Loans / Deposits	61.85%	56.07%	80.73%	69.43%	71.44%	+958 bps
Liquid Assets / Assets	1.46%	41.22%	21.49%	31.07%	29.87%	+2,841 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a