Philadelphia, PA · Charter 11784
Q4 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2004, the quarter ended December 31, 2004, 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 11784
Q4 2004
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 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.24% | -0.66% | 0.62% | 0.51% | 1.73% | -0.49% | -0.23% | -14.77% | -1,528 bps | |
| Return on Equity | -1.30% | -3.54% | 3.34% | 2.69% | 9.23% | -2.64% | -1.30% | -219% | -22,154 bps | |
| Net Interest Margin | 6.84% | 6.72% | 7.30% | 8.42% | 7.97% | 7.68% | 8.01% | 9.32% | +90 bps | |
| Efficiency Ratio | 103.47% | 109.58% | 91.65% | 94.08% | 78.52% | 106.26% | 102.86% | 120.74% | +2,666 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 15.79% | 5.04% | 1.60% | 5.26% | 1.42% | 2.29% | 0.76% | -12.07% | -1,732 bps | |
| Loan Growth (YoY) | 3.91% | 10.27% | 5.15% | 10.02% | 19.78% | 13.99% | 20.75% | 4.14% | -588 bps | |
| Share Growth (YoY) | 20.00% | 5.74% | 0.89% | 4.28% | 0.44% | 0.61% | 2.09% | 3.02% | -125 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.71% | 5.45% | 0.67% | 3.13% | 5.04% | 0.97% | 2.54% | 12.08% | +895 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 | 1.18% | 1.53% | 1.65% | 1.48% | 1.53% | 1.42% | 0.78% | 16.58% | +1,511 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 18.47% | 18.57% | 18.62% | 18.92% | 18.77% | 18.54% | 17.90% | 6.75% | -1,217 bps | |
| Net Worth / Assets | 18.47% | 18.57% | 18.62% | 18.92% | 18.77% | 18.54% | 17.90% | 6.75% | -1,217 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 67.88% | 82.99% | 74.28% | 87.82% | 80.95% | 94.02% | 87.85% | 88.78% | +95 bps | |
| Liquid Assets / Assets | 44.36% | 32.72% | 39.95% | 30.71% | 35.01% | 25.39% | 27.95% | 31.29% | +58 bps | |