Philadelphia, PA · Charter 21535
Q3 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2015, the quarter ended September 30, 2015, 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 21535
Q3 2015
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 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.49% | -0.56% | -0.65% | -1.97% | -0.44% | -15.08% | -7.27% | -4.39% | -241 bps | |
| Return on Equity | -16.58% | -6.84% | -7.53% | -26.59% | -5.53% | -340% | -199.27% | -95.77% | -6,917 bps | |
| Net Interest Margin | 3.20% | 4.81% | 5.06% | 4.44% | 4.85% | 4.94% | 5.23% | 5.62% | +117 bps | |
| Efficiency Ratio | 101.64% | 107.21% | 108.23% | 113.28% | 96.04% | 87.69% | 56.17% | 61.03% | -5,225 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -23.51% | -15.08% | -11.35% | -27.75% | -7.01% | -16.38% | -14.33% | -22.07% | +568 bps | |
| Loan Growth (YoY) | 17.81% | 26.90% | 57.21% | 32.98% | 1.36% | 3.43% | 3.00% | -13.25% | -4,624 bps | |
| Share Growth (YoY) | -25.83% | -6.40% | -11.94% | -36.15% | -7.12% | -17.46% | -13.72% | -14.96% | +2,119 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 12.24% | 12.80% | 11.52% | 10.88% | 11.17% | 13.32% | 4.76% | 5.63% | -525 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 | 5.63% | 6.01% | 5.60% | 5.34% | 5.48% | 11.26% | 8.33% | 8.74% | +340 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.00% | 8.15% | 8.59% | 7.42% | 7.95% | 4.44% | 3.65% | 4.58% | -284 bps | |
| Net Worth / Assets | 9.00% | 8.15% | 8.59% | 7.42% | 7.95% | 4.44% | 3.65% | 4.58% | -284 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 76.37% | 66.61% | 68.44% | 84.13% | 83.35% | 83.47% | 81.70% | 85.82% | +169 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |