Philadelphia, PA · Charter 23075
Q4 1998
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.90% | 3.67% | 3.39% | 3.28% | 2.83% | 2.83% | -3.08% | -1.49% | -477 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | n/a | n/a | 8.59% | 11.65% | -20.76% | -12.08% | -28.28% | -27.93% | -3,958 bps | |
| Loan Growth (YoY) | n/a | n/a | 61.62% | 55.14% | 32.19% | 24.66% | -14.55% | -37.83% | -9,297 bps | |
| Share Growth (YoY) | n/a | n/a | 8.32% | 9.75% | -23.57% | -13.96% | -20.68% | -21.12% | -3,087 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.60% | 3.32% | 4.65% | 3.62% | 17.67% | 17.67% | 6.65% | 13.88% | +1,026 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 | 4.07% | 3.16% | 3.04% | 2.84% | 2.54% | 2.54% | 6.18% | 8.43% | +559 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 54.21% | 64.71% | 69.89% | 74.30% | 93.76% | 93.76% | 75.29% | 58.56% | -1,573 bps | |
| Liquid Assets / Assets | 4.19% | 32.96% | 25.36% | 14.22% | 16.13% | 16.13% | 14.00% | 37.12% | +2,290 bps | |