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Letter portraitLegal landscapeQuarterYTD

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 ’015.19%Q2 ’014.04%Q2 ’02-23%-20%

Non-interest income vs. expense

4.26%Q1 ’013.97%Q2 ’012.94%Q2 ’02-6%-27%

Executive Summary

  • Earnings: ROA of 0.35%, up 9 bps year over year; NIM at 3.06%.
  • 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 (quarter, annualized)

0.35%+9 bps YoY

Net Interest Margin (quarter, annualized)

3.06%-76 bps YoY

Efficiency Ratio (quarter, annualized)

85.00%-724 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ2 2001Q3 2001Q4 2001Q1 2002Q2 2002YoY ΔTrend
Earnings
Return on Assets0.26%0.24%0.06%-0.07%0.35%+9 bps
Return on Equity0.97%0.97%0.28%-0.28%1.65%+68 bps
Net Interest Margin3.82%3.92%3.82%2.99%3.06%-76 bps
Efficiency Ratio92.24%90.48%89.13%101.82%85.00%-724 bps
Non-Interest Burden3.48%3.50%3.36%3.05%2.54%-95 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