Wilmington, DE · Cert 58335
FDIC
Q1 2013
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.05% | 7.22% | 11.00% | 10.91% | -46.76% | -4,570 bps | |
| Return on Equity | -1.47% | 7.92% | 13.11% | 16.55% | -62.88% | -6,142 bps | |
| Net Interest Margin | 0.24% | 0.16% | 0.20% | 0.00% | 0.02% | -22 bps | |
| Efficiency Ratio | 190.68% | 55.98% | 79.10% | 88.89% | 55.33% | -13,536 bps | |
| Non-Interest Burden | 1.36% | -6.06% | -7.60% | -10.26% | -39.65% | -4,100 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -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 |
| 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 | 284% | 264% | 81.63% | 111.78% | 332% | +4,841 bps | |
| Equity / Assets | 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 |
| Liquid Assets / Assets | 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 |