Brandywine Hundred, DE · Cert 34929
FDIC
Q3 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2012, the quarter ended September 30, 2012, 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.
Brandywine Hundred, DE · Cert 34929
FDIC
Q3 2012
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 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.89% | 3.66% | 2.78% | 2.04% | 0.68% | -1.67% | -3.75% | -4.06% | -611 bps | |
| Return on Equity | 8.07% | 18.10% | 13.29% | 9.81% | 3.39% | -9.17% | -20.41% | -21.31% | -3,112 bps | |
| Net Interest Margin | 7.70% | 6.58% | 4.95% | 4.37% | 3.57% | 2.26% | 2.37% | 2.68% | -169 bps | |
| Efficiency Ratio | 55.62% | 51.26% | 56.53% | 61.17% | 82.23% | 203% | 296% | 293% | +23,208 bps | |
| Non-Interest Burden | 2.60% | 0.05% | 0.07% | 0.76% | 2.32% | 4.90% | 7.36% | 8.15% | +740 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 56.12% | 34.57% | 19.60% | 13.43% | 16.83% | 5.57% | 4.87% | -23.58% | -3,701 bps | |
| Loan Growth (YoY) | 50.36% | 24.49% | 19.00% | 10.68% | -5.60% | -13.79% | -24.58% | -24.61% | -3,529 bps | |
| Deposit Growth (YoY) | 79.47% | 42.22% | 21.82% | 15.34% | -0.98% | -13.61% | -14.33% | -47.77% | -6,311 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 | 2.57% | 12.84% | 6.09% | 4.20% | 3.39% | 0.00% | 0.00% | 0.00% | -420 bps | |
| Allowance / Loans | 4.39% | 1.75% | 1.71% | 1.76% | 1.81% | 2.03% | 2.20% | 2.27% | +51 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 | 33.90% | 36.32% | 35.96% | 36.95% | 36.38% | 38.36% | 38.89% | 38.89% | +194 bps | |
| Equity / Assets | 20.27% | 20.22% | 22.39% | 20.54% | 17.97% | 18.53% | 18.65% | 21.88% | +134 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 76.14% | 70.76% | 83.37% | 70.78% | 72.59% | 70.61% | 73.40% | 102.16% | +3,138 bps | |
| Liquid Assets / Assets | 31.90% | 36.30% | 27.45% | 34.66% | 42.53% | 46.93% | 46.73% | 35.78% | +112 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |