Ocean View, DE · Cert 34567
FDIC
Q2 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 | Q3 2000 | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.08% | 0.18% | 0.70% | 0.48% | 0.39% | 0.30% | -0.07% | 0.15% | -33 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | -0.28% | 0.69% | n/a | |
| Net Interest Margin | n/a | n/a | 4.97% | 4.11% | 3.87% | 3.53% | 2.99% | 2.91% | -120 bps | |
| Efficiency Ratio | n/a | n/a | 77.27% | 84.27% | 86.36% | 87.11% | 101.82% | 93.04% | +877 bps | |
| Non-Interest Burden | n/a | n/a | 3.72% | 3.39% | 3.28% | 3.03% | 3.05% | 2.68% | -71 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 26.10% | 5.23% | 24.47% | 12.67% | 17.66% | 8.30% | 15.97% | 37.40% | +2,473 bps | |
| Loan Growth (YoY) | 268% | 200% | 149.37% | 51.42% | 7.73% | -13.89% | -8.71% | -11.79% | -6,321 bps | |
| Deposit Growth (YoY) | 38.63% | 6.59% | 35.06% | 16.86% | 23.01% | 10.80% | 22.23% | 51.36% | +3,451 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 | n/a | n/a | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | n/a | n/a | 0.94% | 0.93% | 0.95% | 1.34% | 1.22% | 1.24% | +31 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 | n/a | n/a | 58.15% | 55.43% | 51.15% | 60.92% | 52.34% | 52.61% | -282 bps | |
| Equity / Assets | n/a | n/a | 26.92% | 27.18% | 22.25% | 24.18% | 23.32% | 19.91% | -727 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 66.33% | 69.78% | 76.19% | 78.11% | 58.09% | 54.22% | 56.90% | 45.52% | -3,259 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 6.08% | 8.47% | 6.94% | 7.54% | 7.28% | 6.19% | -228 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |