Philadelphia, PA · Charter 19940
Q3 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2006, the quarter ended September 30, 2006, 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 19940
Q3 2006
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 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 5.23% | 8.73% | 5.58% | 3.07% | 2.37% | -0.77% | -430% | -110.55% | -11,362 bps | |
| Return on Equity | 8.36% | 12.77% | 7.78% | 4.25% | 3.99% | -1.29% | n/a | n/a | n/a | |
| Net Interest Margin | 5.78% | 11.46% | 8.06% | 6.72% | 5.36% | 16.65% | 4.96% | 1.91% | -482 bps | |
| Efficiency Ratio | 38.53% | 23.79% | 30.82% | 54.32% | 55.75% | 104.60% | n/a | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 15.16% | 7.09% | 4.14% | 11.50% | 7.25% | 16.69% | -2.10% | 59.13% | +4,762 bps | |
| Loan Growth (YoY) | -21.30% | -30.80% | -29.66% | -23.75% | -46.20% | -36.89% | -42.40% | -41.08% | -1,733 bps | |
| Share Growth (YoY) | 21.90% | 1.89% | 1.20% | 55.91% | 16.38% | 50.09% | 484% | 687% | +63,061 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 54.49% | 51.02% | 51.22% | 90.20% | 87.16% | 87.16% | 89.37% | 100.00% | +980 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 | 13.85% | 16.85% | 17.82% | 18.68% | 28.61% | 28.61% | 87.64% | 94.54% | +7,586 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 62.59% | 68.38% | 71.68% | 72.17% | 59.41% | 59.33% | -144.00% | -37.53% | -10,971 bps | |
| Net Worth / Assets | 62.59% | 68.38% | 71.68% | 72.17% | 59.41% | 59.33% | -144.00% | -37.53% | -10,971 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 128.92% | 141.73% | 161.26% | 157.66% | 59.60% | 59.60% | 15.90% | 11.81% | -14,585 bps | |
| Liquid Assets / Assets | 50.05% | 58.76% | 57.69% | 61.01% | 58.12% | 75.76% | 0.00% | 0.00% | -6,101 bps | |