Philadelphia, PA · Charter 12450
Q1 2006
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 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.51% | 0.08% | 0.07% | -0.32% | -0.22% | -0.25% | -0.25% | -3.96% | -364 bps | |
| Return on Equity | -2.35% | 0.35% | 0.30% | -1.47% | -1.00% | -1.12% | -1.10% | -19.19% | -1,773 bps | |
| Net Interest Margin | 3.38% | 3.41% | 3.43% | 3.31% | 3.31% | 3.36% | 3.43% | 0.05% | -327 bps | |
| Efficiency Ratio | 112.93% | 97.10% | 97.21% | 108.57% | 105.11% | 105.50% | 105.16% | 993% | +88,461 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.79% | 4.25% | -6.09% | -3.85% | -0.29% | -2.25% | -4.60% | -0.88% | +296 bps | |
| Loan Growth (YoY) | 6.22% | 7.39% | 13.26% | 5.99% | -0.20% | -5.27% | -12.57% | -5.51% | -1,150 bps | |
| Share Growth (YoY) | 3.22% | 6.00% | -7.41% | -4.45% | -0.76% | -2.41% | -5.32% | -0.49% | +396 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.84% | 1.38% | 1.33% | 1.18% | 0.38% | 0.16% | 0.48% | 0.40% | -78 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 | 1.56% | 1.53% | 1.35% | 1.35% | 0.98% | 1.05% | 1.07% | 1.15% | -20 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 21.54% | 21.68% | 21.83% | 21.58% | 21.68% | 22.00% | 22.63% | 20.62% | -96 bps | |
| Net Worth / Assets | 21.54% | 21.68% | 21.83% | 21.58% | 21.68% | 22.00% | 22.63% | 20.62% | -96 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 48.09% | 51.12% | 52.74% | 47.69% | 48.36% | 49.63% | 48.70% | 45.28% | -241 bps | |
| Liquid Assets / Assets | 21.57% | 20.57% | 20.65% | 22.55% | 22.00% | 19.38% | 23.81% | 29.14% | +659 bps | |