Wyoming, DE · Cert 4819
FDIC · 6 branches
Q2 2014
Market Position · Dover, DE · 2014 SOD (annual) · 13.2% share · #3 of 12 inst. · $0.2B of $1.8B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.66% | 0.99% | 0.74% | 0.71% | 0.77% | 0.50% | 0.68% | 0.85% | +14 bps | |
| Return on Equity | 4.11% | 6.14% | 4.48% | 4.29% | 4.68% | 3.03% | 4.05% | 5.03% | +74 bps | |
| Net Interest Margin | 3.31% | 3.34% | 3.14% | 3.07% | 3.28% | 3.18% | 3.16% | 3.17% | +10 bps | |
| Efficiency Ratio | 67.43% | 59.63% | 74.34% | 70.84% | 71.94% | 82.04% | 68.89% | 70.51% | -33 bps | |
| Non-Interest Burden | 1.93% | 1.53% | 2.12% | 1.91% | 2.11% | 2.42% | 1.90% | 1.97% | +6 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.00% | 3.54% | 1.22% | 2.83% | 2.62% | 1.14% | 2.31% | 1.29% | -154 bps | |
| Loan Growth (YoY) | -7.05% | -3.64% | -3.41% | -1.41% | 4.72% | 5.26% | 8.05% | 7.83% | +923 bps | |
| Deposit Growth (YoY) | 4.24% | 3.47% | 2.62% | 4.54% | 4.21% | 2.64% | 2.28% | 1.00% | -354 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 1.14% | 0.59% | -0.08% | -0.01% | 1.55% | 0.68% | 0.82% | 0.02% | +4 bps | |
| Allowance / Loans | 3.84% | 3.76% | 3.86% | 3.91% | 3.41% | 3.30% | 3.20% | 3.18% | -73 bps | |
| 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 | 24.09% | 25.43% | 26.37% | 26.77% | 26.68% | 26.35% | 26.27% | 27.06% | +30 bps | |
| Equity / Assets | 15.93% | 16.21% | 16.68% | 16.50% | 16.19% | 16.61% | 16.88% | 16.98% | +48 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 74.18% | 76.22% | 75.14% | 74.10% | 74.54% | 78.17% | 79.38% | 79.11% | +501 bps | |
| Liquid Assets / Assets | 18.05% | 16.48% | 16.45% | 17.03% | 17.41% | 13.99% | 12.70% | 13.84% | -319 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |