Wilmington, DE · Cert 33931
FDIC
Q4 2009
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.95% | -6.15% | 3.67% | 1.19% | -1.31% | 1.63% | 1.21% | 2.46% | +128 bps | |
| Return on Equity | 9.47% | -59.87% | 37.30% | 11.12% | -10.66% | 12.03% | 7.91% | 14.58% | +347 bps | |
| Net Interest Margin | 1.69% | 1.68% | 1.28% | -3.92% | 2.87% | 2.52% | 3.04% | 2.99% | +691 bps | |
| Efficiency Ratio | 26.66% | 28.05% | 36.33% | n/a | 18.06% | 27.85% | 19.72% | 16.34% | n/a | |
| Non-Interest Burden | -0.11% | -0.03% | 0.00% | 0.12% | 0.24% | 0.57% | 0.34% | 0.23% | +11 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 66.65% | 32.70% | 60.82% | 13.16% | 3.55% | 13.57% | -16.32% | -24.55% | -3,770 bps | |
| Loan Growth (YoY) | 19.54% | 33.36% | 31.04% | 17.20% | 11.08% | -5.93% | -11.40% | -1.64% | -1,884 bps | |
| Deposit Growth (YoY) | 82.69% | 60.09% | 77.25% | 10.43% | -0.46% | 9.17% | -30.14% | -40.64% | -5,107 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 | 0.35% | 0.27% | 3.25% | -4.10% | 2.24% | 2.65% | 2.16% | 1.74% | +584 bps | |
| Allowance / Loans | 1.43% | 5.14% | 2.57% | 3.53% | 4.73% | 4.06% | 3.77% | 2.82% | -71 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 | 17.07% | 16.02% | 15.78% | 16.17% | 15.61% | 16.76% | 18.89% | 21.21% | +503 bps | |
| Equity / Assets | 10.08% | 10.52% | 9.28% | 11.96% | 12.70% | 14.46% | 16.14% | 17.66% | +570 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 69.96% | 94.60% | 78.34% | 68.76% | 78.07% | 81.51% | 99.36% | 113.93% | +4,517 bps | |
| Liquid Assets / Assets | 31.84% | 9.73% | 12.05% | 21.53% | 23.83% | 10.57% | 0.07% | 0.07% | -2,146 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |