New Castle, DE · Cert 57306
FDIC
Q3 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2006, the quarter ended September 30, 2006, 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.
New Castle, DE · Cert 57306
FDIC
Q3 2006
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 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 40.08% | 72.44% | 35.04% | 30.18% | 25.36% | -3.71% | -0.06% | -1.98% | -3,216 bps | |
| Return on Equity | 59.99% | 99.54% | 47.84% | 53.10% | 42.45% | -4.57% | -0.07% | -2.22% | -5,531 bps | |
| Net Interest Margin | 1.04% | 1.69% | 1.73% | 1.09% | 1.29% | 3.58% | 3.61% | 3.73% | +264 bps | |
| Efficiency Ratio | 37.63% | 23.01% | 36.33% | 35.64% | 40.80% | 232% | 101.92% | 650% | +61,436 bps | |
| Non-Interest Burden | -61.05% | -76.29% | -58.25% | -43.51% | -38.05% | 8.32% | 3.68% | 5.81% | +4,932 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.80% | -17.19% | -10.47% | 48.69% | -22.82% | -23.78% | -43.39% | -68.88% | -11,757 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) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | -100.00% | -100.00% | -10,000 bps | |
| 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 | 61.44% | 84.96% | 74.08% | 31.10% | 78.20% | 84.27% | 110.91% | 99.96% | +6,887 bps | |
| Equity / Assets | 61.44% | 84.96% | 74.08% | 31.10% | 78.18% | 84.27% | 100.00% | 99.96% | +6,887 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | n/a | n/a | n/a | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 58.04% | 0.00% | 92.09% | 0.07% | 0.19% | -5,785 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |