Philadelphia, PA · Charter 16121
Q4 2012
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.75% | 3.43% | 2.41% | -0.53% | -2.95% | -9.88% | -9.65% | -9.85% | -932 bps | |
| Return on Equity | 5.41% | 22.66% | 15.70% | -5.99% | -38.68% | -104.34% | -120.37% | -126.66% | -12,067 bps | |
| Net Interest Margin | 0.07% | 0.13% | 0.19% | 0.38% | 1.40% | 1.83% | 2.05% | 2.19% | +180 bps | |
| Efficiency Ratio | 7.69% | 134.02% | 102.36% | 361% | 204% | 380% | 333% | 359% | -183 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.82% | -4.73% | 3.72% | 6.69% | 4.63% | -38.48% | -45.12% | -48.44% | -5,513 bps | |
| Loan Growth (YoY) | -85.80% | -70.07% | -21.70% | 298% | 495% | 150.13% | -13.63% | -14.43% | -31,221 bps | |
| Share Growth (YoY) | -8.76% | -5.38% | 6.24% | 15.35% | 12.16% | -34.36% | -41.61% | -47.87% | -6,322 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 3.98% | 56.62% | 45.47% | 37.69% | 43.16% | 34.64% | -2,198 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 | 170.34% | 19.97% | 9.11% | 7.99% | 8.55% | 7.99% | 10.54% | 9.34% | +135 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.81% | 15.14% | 15.35% | 8.83% | 7.62% | 9.47% | 8.02% | 7.77% | -105 bps | |
| Net Worth / Assets | 13.81% | 15.14% | 15.35% | 8.83% | 7.62% | 9.47% | 8.02% | 7.77% | -105 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 1.78% | 4.52% | 9.82% | 11.52% | 9.42% | 17.24% | 14.53% | 18.91% | +739 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |