Philadelphia, PA · Charter 19696
Q4 2000
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 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.66% | 3.23% | 4.63% | 3.59% | 3.89% | 1.19% | 0.99% | 0.37% | -322 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 1.36% | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | 5.74% | 5.24% | 5.89% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | 75.58% | 65.59% | 75.45% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 16.42% | 25.99% | 8.18% | -1.13% | -1.46% | -10.57% | -4.43% | -20.27% | -1,914 bps | |
| Loan Growth (YoY) | 9.15% | 41.97% | 20.24% | 36.75% | 4.91% | 4.48% | -27.37% | -66.51% | -10,326 bps | |
| Share Growth (YoY) | 15.90% | 27.11% | 6.73% | -3.63% | -4.90% | -14.91% | -7.29% | -27.23% | -2,360 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.52% | 2.85% | 0.63% | 0.93% | 1.70% | 3.59% | 5.07% | 2.05% | +112 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 | 3.12% | 2.89% | 0.56% | 1.75% | 2.31% | 2.52% | 4.85% | 1.97% | +22 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 27.10% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 27.10% | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 55.29% | 59.86% | 65.97% | 86.33% | 60.99% | 73.50% | 51.68% | 39.73% | -4,660 bps | |
| Liquid Assets / Assets | 33.08% | 32.57% | 34.40% | 19.41% | 30.34% | 34.16% | 36.50% | 67.19% | +4,777 bps | |