Wilmington, DE · Cert 58335
FDIC
Q1 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2013, the quarter ended March 31, 2013, 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 58335
FDIC
Q1 2013
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 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.36% | 2.42% | 2.95% | -1.05% | 2.51% | 4.62% | 5.15% | -46.76% | -4,570 bps | |
| Return on Equity | 4.41% | 3.22% | 4.15% | -1.47% | 3.24% | 6.06% | 6.82% | -62.88% | -6,142 bps | |
| Net Interest Margin | 0.20% | 0.20% | 0.17% | 0.24% | 0.20% | 0.23% | 0.42% | 0.02% | -22 bps | |
| Efficiency Ratio | 0.00% | 0.00% | 19.93% | 190.68% | 66.68% | 75.00% | 80.59% | 55.33% | -13,536 bps | |
| Non-Interest Burden | -2.97% | -2.09% | -1.19% | 1.36% | -2.36% | -4.41% | -10.73% | -39.65% | -4,100 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -22.52% | 1.89% | 31.68% | -13.52% | -13.99% | -69.50% | -76.08% | -73.89% | -6,037 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 | 291% | 229% | 191.22% | 284% | 264% | 81.63% | 111.78% | 332% | +4,841 bps | |
| Equity / Assets | 76.13% | 71.58% | 59.55% | 90.74% | 91.71% | 63.24% | 68.71% | 82.25% | -849 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 | 75.61% | 78.14% | 46.47% | 73.11% | 68.05% | 0.58% | 0.61% | 0.85% | -7,226 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |