Philadelphia, PA · Charter 1664
Q4 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2013, the quarter ended December 31, 2013, 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 1664
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 | 0.85% | 0.74% | 0.82% | 0.41% | 1.06% | 1.08% | 0.81% | 0.26% | -16 bps | |
| Return on Equity | 5.67% | 5.00% | 5.64% | 2.82% | 7.31% | 7.53% | 5.94% | 1.92% | -90 bps | |
| Net Interest Margin | 4.67% | 4.63% | 4.61% | 4.72% | 4.94% | 5.09% | 4.85% | 4.39% | -33 bps | |
| Efficiency Ratio | 83.71% | 85.74% | 82.52% | 83.66% | 73.34% | 73.79% | 73.38% | 85.67% | +201 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.61% | 7.49% | 9.00% | 5.71% | 7.64% | 7.09% | 9.86% | 11.85% | +614 bps | |
| Loan Growth (YoY) | 4.92% | 0.95% | 3.22% | 5.75% | 11.05% | 13.15% | 12.79% | 7.22% | +147 bps | |
| Share Growth (YoY) | 3.40% | 11.38% | 9.56% | 6.20% | 8.48% | 7.70% | 11.06% | 13.61% | +741 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.35% | 5.69% | 6.17% | 6.06% | 7.80% | 9.46% | 14.08% | 24.80% | +1,874 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 | 1.61% | 1.25% | 1.17% | 1.34% | 1.43% | 1.08% | 1.39% | 0.99% | -35 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.07% | 14.73% | 14.59% | 14.61% | 14.47% | 14.34% | 13.70% | 13.32% | -129 bps | |
| Net Worth / Assets | 15.07% | 14.73% | 14.59% | 14.61% | 14.47% | 14.34% | 13.70% | 13.32% | -129 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 92.77% | 89.96% | 89.65% | 92.84% | 94.96% | 94.51% | 91.04% | 87.62% | -522 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |