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Ing Bank, FSB

Wilmington, DE · Cert 35489

FDIC

Q3 2012

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: Q3 2012, the quarter ended September 30, 2012, 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

Ing Bank, FSB

Wilmington, DE · Cert 35489

FDIC

Q3 2012

$97.5BAssets
$37.0BLoans
$86.8BDeposits
$9.9BEquity
Loan mix
100%RE $36.8B0%C&I $0.0B0%Consumer $0.1BQ4 2010Q3 2012
Deposit mix
100%Interest-bearing $86.8B0%Noninterest $0.0BQ4 2010Q3 2012

Executive Summary

  • Earnings: ROA of 0.31%, up 21 bps year over year; NIM at 1.04%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.01%.
  • Funding: loans stand at 42.65% of deposits as of Q3 2012.

Return on Assets (YTD, annualized)

0.31%+21 bps YoY

Net Interest Margin (YTD, annualized)

1.04%

Efficiency Ratio (YTD, annualized)

52.23%

Tier 1 Leverage Ratio

n/a
n/a

NIM

0.93%Q1 ’121.43%Q2 ’121.62%Q3 ’12+58%+13%

Non-interest income vs. expense

0.42%Q1 ’120.58%Q2 ’120.69%Q3 ’12+37%+20%

Year to date, annualized, through each quarter.

MetricQ4 2010Q1 2011Q2 2011Q3 2011Q4 2011Q1 2012Q2 2012Q3 2012YoY ΔTrend
Earnings
Return on Assets0.29%0.26%-0.17%0.10%0.17%0.16%0.34%0.31%+21 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/a0.58%0.92%1.04%n/a
Efficiency Ration/an/an/an/an/a57.39%49.40%52.23%n/a
Non-Interest Burdenn/an/an/an/an/a0.35%0.48%0.58%n/a
Growth
Asset Growth (YoY)-2.76%1.04%1.53%4.21%5.02%3.91%5.07%6.37%+216 bps
Loan Growth (YoY)7.09%7.10%3.92%3.48%2.57%-2.33%-4.94%-9.11%-1,260 bps
Deposit Growth (YoY)3.44%4.54%6.04%6.46%6.85%5.55%4.94%5.40%-106 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/a0.01%0.01%0.01%n/a
Allowance / Loansn/an/an/an/an/a0.00%0.00%0.06%n/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 Capitaln/an/an/an/an/a31.50%26.45%27.38%n/a
Equity / Assetsn/an/an/an/an/a9.99%10.12%10.20%n/a
Liquidity & Funding
Loans / Deposits51.53%50.23%50.02%49.46%49.47%46.47%45.31%42.65%-681 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%26.22%19.92%20.17%+2,017 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a