Greenville, DE · Cert 57618
FDIC
Q4 2007
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 42.24% | 35.36% | 28.43% | -5.74% | 6.08% | -3,616 bps | |
| Return on Equity | 51.92% | 43.20% | 33.69% | -6.32% | 6.59% | -4,533 bps | |
| Net Interest Margin | 4.04% | 3.95% | 4.31% | -0.48% | 0.68% | -336 bps | |
| Efficiency Ratio | 27.61% | 29.28% | 37.43% | 34.34% | 30.87% | +326 bps | |
| Non-Interest Burden | -66.36% | -58.65% | -44.38% | 5.07% | -9.36% | +5,700 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 9.10% | 5.23% | 11.82% | 671% | 689% | +67,948 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Deposit Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| 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 | 206% | 234% | 241% | 126.96% | 146.56% | -5,957 bps | |
| Equity / Assets | 80.77% | 82.84% | 85.86% | 91.51% | 92.92% | +1,216 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquid Assets / Assets | 68.24% | 75.34% | 79.01% | 12.93% | 14.76% | -5,348 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |