Philadelphia, PA · Charter 18689
Q3 2008
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 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.51% | 0.61% | 1.38% | 2.12% | 2.76% | -0.50% | 1.11% | 1.79% | -33 bps | |
| Return on Equity | 20.17% | 3.08% | 6.93% | 10.26% | 13.18% | -2.46% | 5.44% | 8.15% | -211 bps | |
| Net Interest Margin | 6.28% | 3.84% | 3.42% | 3.48% | 4.04% | 4.59% | 4.25% | 4.30% | +82 bps | |
| Efficiency Ratio | 28.29% | 84.07% | 59.73% | 44.27% | 35.94% | 111.00% | 73.77% | 58.42% | +1,416 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.11% | 15.76% | 18.58% | 10.53% | 7.50% | -4.21% | -3.21% | -6.77% | -1,731 bps | |
| Loan Growth (YoY) | -44.39% | -51.59% | -34.62% | -33.55% | 4.67% | 78.64% | 36.66% | -25.01% | +855 bps | |
| Share Growth (YoY) | 14.21% | 19.77% | 23.64% | 13.54% | 9.48% | -5.06% | -3.96% | -8.23% | -2,177 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 22.34% | 19.83% | 19.86% | 20.69% | 20.91% | 20.54% | 20.48% | 21.93% | +124 bps | |
| Net Worth / Assets | 22.34% | 19.83% | 19.86% | 20.69% | 20.91% | 20.54% | 20.48% | 21.93% | +124 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 39.68% | 23.96% | 27.47% | 33.00% | 37.93% | 45.07% | 39.09% | 26.97% | -603 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |