Philadelphia, PA · Charter 11923
Q4 2008
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2008, the quarter ended December 31, 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 11923
Q4 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 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.84% | 3.07% | 2.74% | 0.99% | 5.02% | 0.73% | 1.01% | 0.90% | -9 bps | |
| Return on Equity | 3.02% | 11.45% | 9.69% | 4.89% | 22.70% | 3.03% | 3.93% | 3.29% | -161 bps | |
| Net Interest Margin | 1.62% | 3.95% | 4.13% | 1.94% | 9.41% | 1.01% | 2.22% | 2.09% | +16 bps | |
| Efficiency Ratio | 48.21% | 22.42% | 33.72% | 49.37% | 47.06% | 27.17% | 54.34% | 57.29% | +792 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -17.00% | 1.80% | 0.39% | 46.95% | 31.91% | 11.35% | 10.27% | -23.84% | -7,079 bps | |
| Loan Growth (YoY) | -26.69% | -20.62% | -26.24% | -22.73% | -23.92% | -41.43% | -49.57% | -51.61% | -2,889 bps | |
| Share Growth (YoY) | -23.45% | 0.35% | -1.37% | 63.41% | 42.16% | 15.27% | 14.15% | -29.77% | -9,318 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 82.23% | 67.42% | 8.38% | 81.63% | 77.72% | 40.96% | 73.23% | 74.44% | -719 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 | 14.93% | 13.26% | 15.47% | 17.25% | 19.62% | 22.64% | 30.68% | 25.00% | +775 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 27.75% | 26.83% | 28.30% | 20.21% | 22.14% | 24.25% | 25.79% | 27.44% | +723 bps | |
| Net Worth / Assets | 27.75% | 26.83% | 28.30% | 20.21% | 22.14% | 24.25% | 25.79% | 27.44% | +723 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 20.36% | 20.79% | 18.86% | 11.14% | 10.90% | 10.56% | 8.33% | 7.67% | -346 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |