PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

HSBC Bank & Trust Company (Delaware), National Association

Wilmington, DE · Cert 34867

FDIC

Q2 2004

$9.6MAssets
n/aLoans
n/aDeposits
$9.4MEquity

Executive Summary

  • Earnings: ROA of -0.35%, down 280 bps year over year; NIM at 5.52%.

Return on Assets (YTD, annualized)

-0.35%-280 bps YoY

Net Interest Margin (YTD, annualized)

5.52%+126 bps YoY

Efficiency Ratio (YTD, annualized)

103.04%+2,818 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

5.46%Q2 ’024.25%Q2 ’035.52%Q2 ’04-22%+30%

Non-interest income vs. expense

12.85%Q2 ’0212.16%Q2 ’0319.78%Q2 ’04+108%+3550%

Year to date, annualized, through each quarter.

MetricQ3 2002Q4 2002Q1 2003Q2 2003Q3 2003Q4 2003Q1 2004Q2 2004YoY ΔTrend
Earnings
Return on Assets3.93%3.61%-1.17%2.45%-0.35%0.33%0.41%-0.35%-280 bps
Return on Equity4.59%4.20%-1.34%2.81%-0.40%0.37%0.42%-0.36%-317 bps
Net Interest Margin5.53%5.58%3.79%4.25%4.33%4.80%5.72%5.52%+126 bps
Efficiency Ratio66.12%64.13%100.79%74.86%104.00%97.04%96.82%103.04%+2,818 bps
Non-Interest Burden-0.78%0.10%3.90%0.17%4.97%4.26%5.10%6.10%+593 bps
Growth
Asset Growth (YoY)18.54%8.24%6.84%3.92%-9.57%-11.36%-10.89%-13.75%-1,767 bps
Loan Growth (YoY)n/an/an/an/an/an/an/an/an/an/a
Deposit Growth (YoY)n/an/an/an/an/an/an/an/an/an/a
Asset Quality
Nonperforming Loans / Loansn/an/an/an/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capital947%1062%1630%1940%1308%1912%1715%1440%-50,002 bps
Equity / Assets79.18%86.96%87.26%87.06%87.03%97.26%97.73%98.27%+1,121 bps
Liquidity & Funding
Loans / Depositsn/an/an/an/an/an/an/an/an/an/a
Liquid Assets / Assets27.49%37.55%42.73%43.05%49.10%42.25%50.65%38.27%-478 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a