Brandywine Hundred, DE · Cert 34929
FDIC
Q3 2012
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.04% | 3.66% | 1.83% | 0.64% | -3.03% | -1.67% | -5.96% | -4.68% | -533 bps | |
| Return on Equity | 14.72% | 18.10% | 8.60% | 3.00% | -15.77% | -9.17% | -32.05% | -23.31% | -2,631 bps | |
| Net Interest Margin | 9.66% | 6.58% | 3.03% | 3.14% | 2.66% | 2.26% | 2.28% | 2.50% | -64 bps | |
| Efficiency Ratio | 50.42% | 51.26% | 65.26% | 80.97% | 236% | 203% | 407% | 287% | +20,610 bps | |
| Non-Interest Burden | 2.09% | 0.05% | 0.09% | 2.13% | 7.27% | 4.90% | 9.40% | 7.23% | +510 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% | 0.00% | 0.00% | 0.22% | 0.00% | 0.00% | 0.00% | 0 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 |