Philadelphia, PA · Charter 23183
Q1 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2012, the quarter ended March 31, 2012, 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 23183
Q1 2012
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 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.37% | -2.45% | -0.33% | -1.13% | -0.64% | -0.43% | -1.41% | -15.99% | -1,486 bps | |
| Return on Equity | -2.78% | -18.50% | -2.56% | -11.28% | -5.89% | -3.98% | -13.75% | -254% | -24,226 bps | |
| Net Interest Margin | 0.70% | 3.18% | 1.33% | 0.39% | 0.38% | 0.26% | 0.40% | 0.56% | +18 bps | |
| Efficiency Ratio | 137.69% | 155.90% | 119.26% | 392% | 166.12% | 167.15% | 299% | 534% | +14,184 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.87% | 5.88% | 5.16% | -3.64% | -11.06% | -11.03% | -18.92% | -12.34% | -870 bps | |
| Loan Growth (YoY) | -5.58% | 27.62% | 1.40% | -8.39% | -50.76% | -43.10% | -25.87% | -21.66% | -1,327 bps | |
| Share Growth (YoY) | 0.19% | 7.12% | 4.32% | -0.53% | -6.98% | -7.20% | -15.25% | -8.99% | -846 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 30.67% | 35.16% | 93.72% | 55.61% | 100.00% | 100.00% | 83.59% | 88.01% | +3,240 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 | 5.17% | 5.98% | 7.85% | 7.35% | 8.25% | 8.25% | 8.32% | 58.98% | +5,162 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.46% | 13.23% | 12.85% | 10.01% | 10.88% | 10.88% | 10.23% | 6.31% | -370 bps | |
| Net Worth / Assets | 13.46% | 13.23% | 12.85% | 10.01% | 10.88% | 10.88% | 10.23% | 6.31% | -370 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 10.64% | 9.19% | 6.59% | 5.80% | 5.63% | 5.63% | 5.76% | 4.99% | -81 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |