Greenville, DE · Cert 35424
FDIC
Q1 2008
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Greenville, DE · Cert 35424
FDIC
Q1 2008
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 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 13.96% | 13.09% | 14.38% | 12.85% | 13.99% | 13.50% | 13.82% | 12.18% | -67 bps | |
| Return on Equity | 14.70% | 13.95% | 15.19% | 13.26% | 14.54% | 14.16% | 14.42% | 12.66% | -60 bps | |
| Net Interest Margin | 3.02% | 3.06% | 3.07% | 3.52% | 3.33% | 3.25% | 3.03% | 1.54% | -197 bps | |
| Efficiency Ratio | 23.86% | 22.76% | 20.02% | 9.89% | 10.96% | 11.02% | 10.22% | 9.03% | -86 bps | |
| Non-Interest Burden | -20.79% | -18.02% | -18.39% | -17.35% | -19.01% | -17.82% | -17.58% | -17.56% | -20 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 26.05% | 24.97% | 16.13% | 14.24% | 13.13% | 13.78% | 15.83% | 16.70% | +245 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) | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| 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 | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 468% | 461% | 497% | 487% | 481% | 472% | 494% | 486% | -152 bps | |
| Equity / Assets | 92.25% | 90.90% | 97.90% | 96.05% | 94.81% | 93.10% | 97.62% | 94.92% | -113 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 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 |