PackageTrendsPeer
Letter portraitLegal landscape

Bank of America Trust Company of Delaware, National Association

Greenville, DE · Cert 35424

FDIC

Q1 2008

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q1 2008, the quarter ended March 31, 2008, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Bank of America Trust Company of Delaware, National Association

Greenville, DE · Cert 35424

FDIC

Q1 2008

$5.8MAssets
n/aLoans
n/aDeposits
$5.6MEquity

NIM

3.12%Q1 ’063.52%Q1 ’071.54%Q1 ’08+13%-56%

Non-interest income vs. expense

5.10%Q1 ’062.29%Q1 ’071.90%Q1 ’08+29%-1%

Executive Summary

  • Earnings: ROA of 12.18%, down 67 bps year over year; NIM at 1.54%.

Financial Results

Return on Assets (YTD, annualized)

12.18%-67 bps YoY

Net Interest Margin (YTD, annualized)

1.54%-197 bps YoY

Efficiency Ratio (YTD, annualized)

9.03%-86 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ1 2007Q2 2007Q3 2007Q4 2007Q1 2008YoY ΔTrend
Earnings
Return on Assets12.85%13.99%13.50%13.82%12.18%-67 bps
Return on Equity13.26%14.54%14.16%14.42%12.66%-60 bps
Net Interest Margin3.52%3.33%3.25%3.03%1.54%-197 bps
Efficiency Ratio9.89%10.96%11.02%10.22%9.03%-86 bps
Non-Interest Burden-17.35%-19.01%-17.82%-17.58%-17.56%-20 bps
Growth
Asset Growth (YoY)14.24%13.13%13.78%15.83%16.70%+245 bps
Loan Growth (YoY)n/an/an/an/an/an/an/a
Deposit Growth (YoY)n/an/an/an/an/an/an/a
Asset Quality
Nonperforming Loans / Loansn/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital487%481%472%494%486%-152 bps
Equity / Assets96.05%94.81%93.10%97.62%94.92%-113 bps
Liquidity & Funding
Loans / Depositsn/an/an/an/an/an/an/a
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/a