Wilmington, DE · Cert 57628
FDIC
Q2 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2011, the quarter ended June 30, 2011, 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.
Wilmington, DE · Cert 57628
FDIC
Q2 2011
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 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -4.79% | -6.26% | -5.90% | 5.05% | 3.70% | 4.17% | 19.16% | 22.88% | +1,783 bps | |
| Return on Equity | -5.69% | -7.41% | -6.62% | 5.61% | 4.23% | 4.70% | 21.24% | 25.25% | +1,964 bps | |
| Net Interest Margin | 0.13% | 0.14% | 0.10% | 0.18% | 0.15% | 0.16% | 0.09% | 0.06% | -12 bps | |
| Efficiency Ratio | 105.16% | 106.70% | 107.45% | 94.28% | 95.60% | 94.98% | 66.39% | 63.53% | -3,075 bps | |
| Non-Interest Burden | 5.86% | 8.40% | 9.28% | -8.32% | -5.24% | -5.11% | -28.11% | -34.11% | -2,578 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 32.80% | 43.07% | 28.50% | -8.32% | 9.46% | 54.36% | 85.20% | 82.51% | +9,084 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) | n/a | n/a | n/a | 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 | 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 | 243% | 196.08% | 334% | 347% | 297% | 979% | 1482% | 1208% | +86,125 bps | |
| Equity / Assets | 88.15% | 85.41% | 93.32% | 91.70% | 80.77% | 91.30% | 89.15% | 91.46% | -24 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.33% | 3.66% | 27.97% | +2,797 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |