Wilmington, DE · Charter 9171
Q2 1997
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 1994 | Q4 1994 | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|
| Earnings | |||||||||
| Return on Assets | 3.81% | 4.44% | 4.63% | 4.76% | 4.72% | 4.71% | 3.40% | -123 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||||
| Asset Growth (YoY) | n/a | n/a | n/a | n/a | 9.71% | 18.62% | 18.22% | n/a | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | -1.82% | -9.82% | -10.90% | n/a | |
| Share Growth (YoY) | n/a | n/a | n/a | n/a | 8.10% | 18.21% | 19.90% | n/a | |
| Asset Quality | |||||||||
| Delinquent Loans / Loans | 2.25% | 0.84% | 1.96% | 3.20% | 2.85% | 0.47% | 2.71% | +76 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.25% | 3.09% | 4.49% | 4.96% | 5.81% | 5.80% | 6.57% | +208 bps | |
| Capital | |||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||||
| Loans / Shares | 83.94% | 93.55% | 83.86% | 83.38% | 76.24% | 71.38% | 62.32% | -2,154 bps | |
| Liquid Assets / Assets | 10.87% | 3.41% | 16.32% | 22.93% | 28.69% | 35.60% | 45.36% | +2,904 bps | |