Philadelphia, PA · Charter 10930
Q3 2008
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2008, the quarter ended September 30, 2008, 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.
Philadelphia, PA · Charter 10930
Q3 2008
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.04% | 2.50% | 0.00% | 0.81% | 0.00% | 2.10% | 0.07% | 0.38% | -43 bps | |
| Return on Equity | 0.62% | 35.37% | 0.05% | 10.29% | 0.03% | 26.65% | 0.91% | 4.24% | -604 bps | |
| Net Interest Margin | 1.80% | 3.86% | 1.66% | 2.54% | 1.74% | 3.56% | 1.69% | 2.34% | -20 bps | |
| Efficiency Ratio | 97.59% | 35.19% | 99.77% | 68.09% | 99.87% | 40.88% | 96.11% | 83.87% | +1,578 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.81% | 2.77% | -6.52% | -7.28% | -11.12% | -16.83% | -3.04% | -16.75% | -947 bps | |
| Loan Growth (YoY) | 13.75% | -12.28% | -25.33% | -44.34% | -39.17% | -45.39% | -42.76% | -51.75% | -741 bps | |
| Share Growth (YoY) | -7.54% | 2.17% | -7.26% | -7.40% | -11.37% | -17.10% | -2.06% | -17.46% | -1,006 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| 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 | 0.18% | 0.21% | 0.26% | 0.31% | 0.29% | 0.39% | 0.45% | 0.65% | +34 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 6.98% | 7.06% | 7.42% | 7.87% | 7.30% | 7.89% | 7.20% | 8.88% | +102 bps | |
| Net Worth / Assets | 6.98% | 7.06% | 7.42% | 7.87% | 7.30% | 7.89% | 7.20% | 8.88% | +102 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 48.60% | 38.25% | 37.39% | 30.95% | 33.35% | 25.20% | 21.86% | 18.09% | -1,285 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |