New Castle, DE · Cert 33940
FDIC
Q3 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2002, the quarter ended September 30, 2002, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
New Castle, DE · Cert 33940
FDIC
Q3 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 | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -6.45% | 4.69% | 4.63% | 4.48% | 3.98% | 5.81% | 8.21% | 1.17% | -330 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | 7.48% | 10.30% | 1.40% | n/a | |
| Net Interest Margin | n/a | -5.68% | -6.09% | -8.26% | -14.08% | 0.21% | 0.12% | 0.09% | +835 bps | |
| Efficiency Ratio | n/a | 66.23% | 72.02% | 75.09% | 79.08% | 81.17% | 69.91% | 93.89% | +1,880 bps | |
| Non-Interest Burden | n/a | -13.33% | -13.40% | -18.87% | -31.79% | -8.71% | -13.12% | -1.85% | +1,702 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 29.03% | 12.15% | -27.44% | -62.74% | -81.96% | -81.59% | -71.75% | -54.23% | +851 bps | |
| Loan Growth (YoY) | -100.00% | -100.00% | -100.00% | n/a | n/a | n/a | n/a | n/a | n/a | |
| Deposit Growth (YoY) | -2.02% | 1.64% | -2.09% | -10.11% | -94.54% | -95.15% | -97.31% | -99.98% | -8,987 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | n/a | n/a | n/a | 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 | 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 | 14.50% | 23.08% | 45.34% | 78.48% | 83.85% | 84.78% | 99.23% | +5,389 bps | |
| Equity / Assets | n/a | 13.51% | 21.73% | 44.42% | 73.27% | 82.54% | 83.78% | 98.26% | +5,384 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Liquid Assets / Assets | 0.00% | 0.28% | 0.43% | 0.84% | 1.39% | 1.02% | 1.01% | 1.23% | +38 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |