New Castle, DE · Cert 57306
FDIC
Q3 2006
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 27.58% | 3.11% | -3.71% | 4.05% | -6.51% | -3,409 bps | |
| Return on Equity | 59.31% | 6.96% | -4.57% | 4.43% | -6.51% | -6,582 bps | |
| Net Interest Margin | 0.61% | 1.52% | 3.58% | 3.33% | 3.83% | +322 bps | |
| Efficiency Ratio | 34.05% | 76.47% | 232% | -50.00% | 650% | +61,595 bps | |
| Non-Interest Burden | -41.19% | -6.39% | 8.32% | -1.66% | 9.93% | +5,112 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 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 |
| Deposit Growth (YoY) | 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 |
| Net Charge-Offs / Loans | 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 |
| Allowance Coverage of NPLs | 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 |
| Total Risk-Based Capital | 31.10% | 78.20% | 84.27% | 110.91% | 99.96% | +6,887 bps | |
| Equity / Assets | 31.10% | 78.18% | 84.27% | 100.00% | 99.96% | +6,887 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 0.00% | 0.00% | 0.00% | n/a | n/a | n/a | |
| Liquid Assets / Assets | 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 |