Wilmington, DE · Cert 35267
FDIC · 1 branch
Q4 2022
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2022, the quarter ended December 31, 2022, 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 35267
FDIC · 1 branch
Q4 2022
Market Position · Philadelphia-Camden-Wilmington, PA-NJ-DE-MD · 2022 SOD (annual) · 0.0% share · #92 of 100 inst. · $0.0B of $598.9B
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 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 6.47% | 6.50% | 6.52% | 6.42% | 6.12% | 6.54% | 7.05% | 7.60% | +118 bps | |
| Return on Equity | 6.71% | 6.74% | 6.75% | 6.64% | 6.29% | 6.75% | 7.27% | 7.84% | +119 bps | |
| Net Interest Margin | 0.31% | 0.29% | 0.27% | 0.26% | 0.29% | 0.49% | 0.98% | 1.56% | +130 bps | |
| Efficiency Ratio | 41.96% | 39.50% | 38.05% | 38.37% | 42.57% | 37.98% | 34.97% | 32.48% | -589 bps | |
| Non-Interest Burden | -8.10% | -8.24% | -8.24% | -8.09% | -7.82% | -8.13% | -8.20% | -8.27% | -18 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.09% | 1.84% | 1.17% | 6.54% | 4.92% | 6.56% | 6.93% | 6.23% | -31 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Deposit Growth (YoY) | 0.00% | 0.00% | 0.00% | 0.00% | -100.00% | 0.00% | 0.00% | -100.00% | -10,000 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 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 | 97.54% | 97.80% | 97.71% | 97.95% | 97.99% | 97.86% | 97.62% | 98.18% | +24 bps | |
| Total Risk-Based Capital | 97.54% | 97.80% | 97.71% | 97.95% | 97.99% | 97.86% | 97.62% | 98.18% | +24 bps | |
| Equity / Assets | 96.28% | 96.65% | 96.91% | 96.85% | 97.58% | 96.47% | 96.61% | 97.71% | +86 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 0.00% | 0.00% | 0.00% | 0.00% | n/a | 0.00% | 0.00% | n/a | n/a | |
| 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 |