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Calvin B. Taylor Bank of Delaware

Ocean View, DE · Cert 34567

FDIC

Q2 2002

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q2 2002, the quarter ended June 30, 2002, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Calvin B. Taylor Bank of Delaware

Ocean View, DE · Cert 34567

FDIC

Q2 2002

$14.6MAssets
$5.3MLoans
$11.7MDeposits
$2.9MEquity
Deposit mix
83%Interest-bearing $9.7M17%Noninterest $2.0MQ2 2001Q2 2002

NIM

6.30%Q1 ’015.39%Q2 ’013.91%Q2 ’02-17%-29%

Non-interest income vs. expense

4.26%Q1 ’013.87%Q2 ’013.09%Q2 ’02-9%-21%

Executive Summary

  • Earnings: ROA of 0.15%, down 33 bps year over year; NIM at 2.91%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Funding: loans stand at 45.52% of deposits as of Q2 2002.

Financial Results

Return on Assets (YTD, annualized)

0.15%-33 bps YoY

Net Interest Margin (YTD, annualized)

2.91%-120 bps YoY

Efficiency Ratio (YTD, annualized)

93.04%+877 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2001Q3 2001Q4 2001Q1 2002Q2 2002YoY ΔTrend
Earnings
Return on Assets0.48%0.39%0.30%-0.07%0.15%-33 bps
Return on Equityn/an/an/a-0.28%0.69%n/a
Net Interest Margin4.11%3.87%3.53%2.99%2.91%-120 bps
Efficiency Ratio84.27%86.36%87.11%101.82%93.04%+877 bps
Non-Interest Burden3.39%3.28%3.03%3.05%2.68%-71 bps
Growth
Asset Growth (YoY)12.67%17.66%8.30%15.97%37.40%+2,473 bps
Loan Growth (YoY)51.42%7.73%-13.89%-8.71%-11.79%-6,321 bps
Deposit Growth (YoY)16.86%23.01%10.80%22.23%51.36%+3,451 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.93%0.95%1.34%1.22%1.24%+31 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital55.43%51.15%60.92%52.34%52.61%-282 bps
Equity / Assets27.18%22.25%24.18%23.32%19.91%-727 bps
Liquidity & Funding
Loans / Deposits78.11%58.09%54.22%56.90%45.52%-3,259 bps
Liquid Assets / Assets8.47%6.94%7.54%7.28%6.19%-228 bps
CRE / Total Capitaln/an/an/an/an/an/an/a