Philadelphia, PA · Charter 21254
Q4 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2003, the quarter ended December 31, 2003, 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 21254
Q4 2003
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 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.12% | -3.64% | -2.38% | -4.89% | 1.18% | -24.77% | 0.00% | -336% | -33,159 bps | |
| Return on Equity | -1.01% | -34.79% | -22.64% | -63.54% | 14.73% | -5973% | 0.00% | n/a | n/a | |
| Net Interest Margin | 5.09% | 2.71% | 2.01% | 2.14% | 1.15% | -24.79% | 0.00% | -336% | -33,862 bps | |
| Efficiency Ratio | 102.36% | 232% | 217% | 303% | 0.00% | n/a | n/a | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -14.05% | -12.67% | -4.55% | -10.89% | -3.21% | -40.48% | -40.41% | -97.54% | -8,665 bps | |
| Loan Growth (YoY) | -56.66% | -67.12% | -60.25% | -61.05% | -62.11% | -100.00% | -100.00% | -100.00% | -3,895 bps | |
| Share Growth (YoY) | -9.82% | -4.98% | -0.16% | -6.83% | 1.48% | -45.22% | -36.60% | -100.00% | -9,317 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 45.83% | 38.07% | 38.79% | 71.64% | 90.49% | n/a | n/a | n/a | n/a | |
| 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 | 38.17% | 66.72% | 80.46% | 89.65% | 100.75% | n/a | n/a | n/a | n/a | |
| Capital | ||||||||||
| Risk-Based Capital | 12.04% | 10.46% | 10.50% | 7.70% | 8.02% | 0.41% | 1.26% | 0.00% | -770 bps | |
| Net Worth / Assets | 12.04% | 10.46% | 10.50% | 7.70% | 8.02% | 0.41% | 1.26% | 0.00% | -770 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 16.62% | 9.29% | 7.73% | 6.93% | 6.21% | 0.00% | 0.00% | n/a | n/a | |
| Liquid Assets / Assets | 89.06% | 95.49% | 97.07% | 98.43% | 99.13% | 98.50% | 98.50% | 62.78% | -3,565 bps | |