PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Bank of America Trust Company of Delaware, National Association

Greenville, DE · Cert 35424

FDIC

Q1 2008

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

Executive Summary

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

Return on Assets (quarter, annualized)

12.18%-67 bps YoY

Net Interest Margin (quarter, annualized)

1.54%-197 bps YoY

Efficiency Ratio (quarter, annualized)

9.03%-86 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

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%

Discrete quarter, annualized.

MetricQ2 2006Q3 2006Q4 2006Q1 2007Q2 2007Q3 2007Q4 2007Q1 2008YoY ΔTrend
Earnings
Return on Assets11.22%11.46%17.66%12.85%15.07%12.61%14.45%12.18%-67 bps
Return on Equity11.97%12.52%18.72%13.26%15.80%13.43%15.15%12.66%-60 bps
Net Interest Margin3.11%3.51%3.39%3.52%3.33%3.40%2.82%1.54%-197 bps
Efficiency Ratio31.75%19.93%12.32%9.89%11.78%11.15%7.94%9.03%-86 bps
Non-Interest Burden-18.65%-14.96%-21.31%-17.35%-21.61%-17.20%-19.25%-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/an/an/an/an/an/an/an/an/an/a
Deposit Growth (YoY)n/an/an/an/an/an/an/an/an/an/a
Asset Quality
Nonperforming Loans / Loansn/an/an/an/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capital468%461%497%487%481%472%494%486%-152 bps
Equity / Assets92.25%90.90%97.90%96.05%94.81%93.10%97.62%94.92%-113 bps
Liquidity & Funding
Loans / Depositsn/an/an/an/an/an/an/an/an/an/a
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a