Philadelphia, PA · Charter 16147
Q4 2013
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 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.29% | -0.59% | -0.70% | -0.08% | -2.41% | -1.40% | -1.04% | -3.70% | -362 bps | |
| Return on Equity | -3.95% | -8.52% | -10.31% | -0.97% | -24.80% | -14.15% | -10.11% | -40.70% | -3,973 bps | |
| Net Interest Margin | 0.25% | 0.30% | 0.31% | 1.61% | -0.42% | 0.56% | 0.74% | 0.98% | -64 bps | |
| Efficiency Ratio | 121.83% | 140.97% | 146.47% | 102.75% | 275% | 158.60% | 139.15% | 478% | +37,524 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.64% | -3.56% | -2.12% | -15.20% | -29.77% | -31.82% | -34.62% | -32.19% | -1,699 bps | |
| Loan Growth (YoY) | 261% | 572% | -5.38% | 148.60% | 147.43% | 134.57% | 128.67% | -4.68% | -15,328 bps | |
| Share Growth (YoY) | 1.53% | 0.09% | 1.19% | -16.10% | -30.85% | -33.19% | -36.36% | -33.45% | -1,735 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 35.02% | +3,502 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 | 30.64% | 22.91% | 24.90% | 11.42% | 12.38% | 9.77% | 10.89% | 11.98% | +56 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.24% | 6.97% | 6.75% | 8.68% | 9.71% | 9.87% | 10.24% | 9.10% | +42 bps | |
| Net Worth / Assets | 7.24% | 6.97% | 6.75% | 8.68% | 9.71% | 9.87% | 10.24% | 9.10% | +42 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 3.48% | 4.61% | 4.23% | 11.39% | 12.45% | 16.19% | 15.19% | 16.31% | +492 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |