Wilmington, DE · Cert 58527
FDIC
Q3 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2012, the quarter ended September 30, 2012, 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 58527
FDIC
Q3 2012
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 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -4.61% | -6.64% | -3.48% | -3.52% | -3.62% | -3.39% | -2.48% | -2.98% | +54 bps | |
| Return on Equity | -8.81% | -13.14% | -6.88% | -6.98% | -7.19% | -6.86% | -5.03% | -5.30% | +167 bps | |
| Net Interest Margin | -0.20% | -0.14% | -0.27% | -0.23% | -0.24% | -0.42% | -0.43% | -0.38% | -15 bps | |
| Efficiency Ratio | 296% | 326% | 373% | 521% | 792% | n/a | 1220% | n/a | n/a | |
| Non-Interest Burden | 7.28% | 10.31% | 5.33% | 5.41% | 5.56% | 4.93% | 3.54% | 5.18% | -23 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.55% | -4.35% | -4.27% | -3.73% | -3.23% | -4.89% | -2.73% | -52.43% | -4,870 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 | 219% | 206% | 210% | 208% | 222% | 217% | 215% | 367% | +15,983 bps | |
| Equity / Assets | 51.60% | 49.43% | 50.66% | 50.26% | 49.63% | 49.13% | 48.92% | 99.56% | +4,930 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 | 68.07% | 67.39% | 69.16% | 69.86% | 70.35% | 70.85% | 71.10% | 0.00% | -6,986 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |