Philadelphia, PA · Charter 15927
Q2 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2004, the quarter ended June 30, 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 15927
Q2 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 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.39% | 0.02% | 0.52% | 0.37% | 0.32% | -1.03% | 0.24% | 1.74% | +137 bps | |
| Return on Equity | 8.01% | 0.14% | 3.13% | 2.19% | 1.91% | -6.25% | 1.07% | 5.52% | +333 bps | |
| Net Interest Margin | 7.96% | 6.82% | 5.97% | 5.84% | 3.89% | 5.35% | 2.78% | 3.13% | -271 bps | |
| Efficiency Ratio | 82.65% | 99.66% | 91.27% | 93.74% | 91.80% | 119.26% | 91.51% | 67.66% | -2,608 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -19.40% | -6.73% | -8.68% | -9.64% | -0.72% | -7.02% | -29.64% | -49.32% | -3,968 bps | |
| Loan Growth (YoY) | -9.62% | 22.07% | -20.91% | -21.15% | -27.00% | -53.08% | -70.71% | -79.42% | -5,827 bps | |
| Share Growth (YoY) | -23.36% | -8.23% | -10.38% | -11.41% | 0.07% | -7.82% | -35.16% | -59.49% | -4,809 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 7.35% | 6.83% | 6.68% | 0.00% | 0.00% | 6.37% | 27.32% | 43.67% | +4,367 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 | 0.40% | 0.40% | 0.48% | 0.55% | 0.55% | 0.86% | 1.64% | 2.67% | +212 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 17.37% | 16.28% | 16.64% | 16.66% | 16.71% | 16.48% | 22.15% | 31.46% | +1,481 bps | |
| Net Worth / Assets | 17.37% | 16.28% | 16.64% | 16.66% | 16.71% | 16.48% | 22.15% | 31.46% | +1,481 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 103.67% | 100.93% | 86.47% | 75.59% | 75.62% | 51.37% | 39.06% | 38.41% | -3,719 bps | |
| Liquid Assets / Assets | 12.51% | 13.84% | 26.32% | 35.40% | 35.41% | 55.75% | 67.93% | 71.55% | +3,615 bps | |