Philadelphia, PA · Charter 11839
Q3 2003
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.24% | -0.03% | -0.03% | 0.09% | -0.17% | -0.84% | -0.66% | -1.11% | -121 bps | |
| Return on Equity | -1.73% | -0.18% | -0.24% | 0.69% | -1.24% | -6.54% | -5.11% | -9.02% | -971 bps | |
| Net Interest Margin | 4.95% | 4.87% | 4.26% | 4.08% | 3.88% | 3.49% | 3.42% | 3.32% | -76 bps | |
| Efficiency Ratio | 97.65% | 95.21% | 98.96% | 96.79% | 102.83% | 130.43% | 124.80% | 134.96% | +3,817 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.56% | -4.60% | -2.61% | 2.83% | 4.91% | 6.79% | 2.32% | 1.55% | -129 bps | |
| Loan Growth (YoY) | 8.03% | 5.06% | -14.50% | -28.86% | -26.44% | -27.12% | -19.90% | -19.72% | +914 bps | |
| Share Growth (YoY) | -10.41% | -4.91% | -2.72% | 3.61% | 5.99% | 8.56% | 3.09% | 3.19% | -41 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.17% | 0.06% | 0.21% | 0.00% | 0.32% | 0.18% | 1.02% | 0.04% | +4 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 | 1.14% | 0.51% | 0.74% | 0.69% | 0.73% | 0.78% | 0.69% | 0.77% | +9 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.02% | 14.05% | 13.63% | 13.67% | 13.30% | 12.78% | 12.83% | 12.32% | -134 bps | |
| Net Worth / Assets | 14.02% | 14.05% | 13.63% | 13.67% | 13.30% | 12.78% | 12.83% | 12.32% | -134 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 77.34% | 72.98% | 61.54% | 56.53% | 53.68% | 48.99% | 47.82% | 43.97% | -1,255 bps | |
| Liquid Assets / Assets | 28.45% | 23.14% | 33.03% | 37.57% | 35.96% | 41.36% | 44.95% | 56.27% | +1,870 bps | |