Wilmington, DE · Cert 58498
FDIC · 3 branches
Q1 2020
Market Position · Philadelphia-Camden-Wilmington, PA-NJ-DE-MD · 2019 SOD (annual) · 0.0% share · #58 of 109 inst. · $0.2B of $459.9B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.54% | 0.08% | 0.49% | 0.37% | 0.48% | -5 bps | |
| Return on Equity | 5.15% | 0.80% | 4.88% | 3.62% | 4.72% | -43 bps | |
| Net Interest Margin | 2.95% | 2.86% | 2.85% | 2.76% | 2.75% | -19 bps | |
| Efficiency Ratio | 77.57% | 78.13% | 79.04% | 87.71% | 78.65% | +108 bps | |
| Non-Interest Burden | 2.26% | 2.20% | 2.22% | 2.41% | 2.14% | -12 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 12.17% | 14.35% | 12.92% | 10.06% | 4.18% | -799 bps | |
| Loan Growth (YoY) | 10.67% | 14.54% | 14.67% | 11.44% | 4.88% | -579 bps | |
| Deposit Growth (YoY) | 10.16% | 8.98% | 12.45% | 10.66% | 0.02% | -1,014 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.42% | 0.19% | 0.00% | 0.01% | 0.00% | -42 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.84% | 0.00% | 0.11% | 0.01% | +1 bps | |
| Allowance / Loans | 1.00% | 0.91% | 0.92% | 0.88% | 0.88% | -13 bps | |
| Allowance Coverage of NPLs | 2.4x | 4.7x | n/a | 70.2x | n/a | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.35% | 9.73% | 9.87% | 9.91% | 10.06% | -28 bps | |
| Total Risk-Based Capital | 12.56% | 11.99% | 12.33% | 12.38% | 12.63% | +7 bps | |
| Equity / Assets | 10.20% | 9.92% | 10.16% | 10.22% | 10.25% | +5 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 104.05% | 108.44% | 106.97% | 107.86% | 109.10% | +505 bps | |
| Liquid Assets / Assets | 4.96% | 4.15% | 4.55% | 5.72% | 7.71% | +275 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |