Philadelphia, PA · Charter 16563
Q2 2012
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -7.38% | -4.52% | -2.55% | -2.39% | -4.71% | -3.28% | 5.36% | -29.06% | -2,667 bps | |
| Return on Equity | -28.70% | -16.93% | -9.61% | -7.37% | -41.25% | -18.41% | 29.34% | -509% | -50,187 bps | |
| Net Interest Margin | 4.99% | 3.91% | 2.92% | 0.00% | 5.87% | 10.08% | 7.67% | 8.25% | +825 bps | |
| Efficiency Ratio | 248% | 213% | 187.50% | n/a | 172.75% | 130.07% | 31.71% | 448% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -14.64% | -21.84% | -10.53% | 20.61% | -2.40% | -26.28% | -31.36% | -47.72% | -6,833 bps | |
| Loan Growth (YoY) | -13.96% | -5.17% | -19.62% | -9.38% | 25.77% | 21.28% | -15.45% | -29.37% | -1,999 bps | |
| Share Growth (YoY) | 0.23% | -12.68% | 6.41% | 17.32% | 16.35% | -16.50% | -26.52% | -26.80% | -4,412 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 15.45% | 0.00% | 0.00% | 0.00% | 87.09% | 63.47% | 40.74% | 64.88% | +6,488 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 | 6.02% | 19.81% | 19.81% | 4.64% | 14.18% | 15.77% | 22.62% | 27.07% | +2,243 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 25.69% | 26.68% | 26.58% | 32.38% | 11.42% | 17.83% | 18.26% | 5.71% | -2,668 bps | |
| Net Worth / Assets | 25.69% | 26.68% | 26.58% | 32.38% | 11.42% | 17.83% | 18.26% | 5.71% | -2,668 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 80.71% | 77.50% | 77.50% | 77.50% | 87.25% | 112.56% | 89.17% | 74.79% | -271 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |