Wilmington, DE · Cert 35001
FDIC
Q3 2001
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2001, the quarter ended September 30, 2001, 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.
Wilmington, DE · Cert 35001
FDIC
Q3 2001
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 1999 | Q1 2000 | Q2 2000 | Q3 2000 | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.26% | 0.28% | 0.11% | -0.15% | -0.16% | -0.61% | -0.73% | -0.69% | -55 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | 2.74% | 2.74% | 2.58% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | 103.80% | 107.71% | 113.64% | n/a | |
| Non-Interest Burden | n/a | n/a | n/a | n/a | n/a | 2.88% | 3.02% | 3.05% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -27.28% | -12.27% | -4.68% | 4.77% | 9.82% | -0.52% | -2.49% | -8.33% | -1,310 bps | |
| Loan Growth (YoY) | -11.22% | -17.02% | -4.81% | -15.69% | -11.43% | -8.98% | -13.32% | -9.82% | +586 bps | |
| Deposit Growth (YoY) | -30.11% | -17.34% | -4.11% | 11.95% | 11.94% | 5.52% | -3.04% | -10.14% | -2,209 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 | n/a | n/a | n/a | 1.19% | 0.85% | 0.89% | n/a | |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | 1.26% | 1.60% | 1.46% | n/a | |
| 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 | n/a | n/a | n/a | 14.66% | 15.04% | 15.45% | n/a | |
| Equity / Assets | n/a | n/a | n/a | n/a | n/a | 17.08% | 16.35% | 16.71% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 73.14% | 74.73% | 69.60% | 60.13% | 57.87% | 64.46% | 62.22% | 60.34% | +21 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |