Wilmington, DE · Cert 58527
FDIC
Q3 2012
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -5.95% | -6.64% | -0.27% | -3.61% | -3.93% | -3.39% | -1.56% | -3.83% | -22 bps | |
| Return on Equity | -11.44% | -13.14% | -0.55% | -7.16% | -7.86% | -6.86% | -3.18% | -5.86% | +131 bps | |
| Net Interest Margin | -0.27% | -0.14% | -0.41% | -0.14% | -0.28% | -0.42% | -0.43% | 0.00% | +14 bps | |
| Efficiency Ratio | 683% | 326% | 373% | 521% | 792% | n/a | 325% | n/a | n/a | |
| Non-Interest Burden | 9.17% | 10.31% | 0.27% | 5.41% | 5.87% | 4.93% | 2.13% | 5.95% | +54 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 |