Greenville, DE · Cert 33875
FDIC
Q3 2010
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.13% | -0.08% | -0.73% | -0.01% | -31.04% | 0.48% | -16.16% | -0.20% | -19 bps | |
| Return on Equity | 4.11% | -0.32% | -3.04% | -0.06% | -159.47% | 2.64% | -85.34% | -1.18% | -112 bps | |
| Net Interest Margin | 2.92% | 2.34% | 2.29% | 2.26% | 2.10% | 2.40% | 2.78% | 2.61% | +35 bps | |
| Efficiency Ratio | 68.78% | 70.31% | 75.78% | 66.95% | 63.93% | 69.71% | 70.10% | 74.47% | +751 bps | |
| Non-Interest Burden | 1.22% | 1.04% | 1.25% | 0.86% | 30.96% | 0.98% | 16.66% | 1.29% | +43 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 70.84% | 22.27% | 12.45% | 39.75% | 13.25% | -26.72% | -20.42% | -27.91% | -6,766 bps | |
| Loan Growth (YoY) | 15.14% | 16.72% | 17.28% | -11.10% | -9.41% | -15.88% | -21.10% | -10.86% | +24 bps | |
| Deposit Growth (YoY) | 49.79% | 24.06% | 12.10% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 2.44% | 3.86% | 2.91% | 3.65% | 1.44% | 2.15% | 8.10% | +519 bps | |
| Allowance / Loans | 1.84% | 1.75% | 1.71% | 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 | 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 | 13.07% | 12.66% | 12.44% | 13.77% | 15.51% | 16.06% | 16.73% | 16.79% | +302 bps | |
| Equity / Assets | 26.67% | 23.61% | 24.21% | 23.34% | 15.58% | 21.48% | 16.50% | 17.51% | -583 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 81.22% | 72.18% | 77.07% | 61.85% | 56.07% | 80.73% | 69.43% | 71.44% | +958 bps | |
| Liquid Assets / Assets | 2.12% | 2.46% | 1.46% | 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 | n/a | n/a | n/a |