Philadelphia, PA · Charter 24100
Q4 2015
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -3.16% | -3.10% | -2.85% | -3.88% | -7.51% | -7.56% | -7.09% | -6.65% | -277 bps | |
| Return on Equity | -14.70% | -14.44% | -13.25% | -18.98% | -42.49% | -45.39% | -41.41% | -37.06% | -1,808 bps | |
| Net Interest Margin | 7.05% | 6.42% | 6.28% | 5.74% | 2.02% | 1.55% | 2.95% | 3.53% | -221 bps | |
| Efficiency Ratio | 141.09% | 143.76% | 140.81% | 160.64% | 439% | 545% | 322% | 272% | +11,175 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.06% | -11.73% | -13.99% | -12.12% | -4.08% | -5.37% | -11.33% | -16.83% | -471 bps | |
| Loan Growth (YoY) | -0.11% | -24.37% | -35.79% | -56.38% | -45.86% | -31.55% | -24.30% | -20.03% | +3,635 bps | |
| Share Growth (YoY) | -2.08% | -12.06% | -14.89% | -10.85% | 0.59% | 0.39% | -6.38% | -14.24% | -339 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.92% | 2.57% | 0.64% | 16.53% | 23.40% | 35.98% | 47.16% | 43.42% | +2,689 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 | 1.84% | 2.12% | 2.80% | 3.59% | 3.40% | 3.10% | 3.70% | 4.49% | +90 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 21.50% | 21.46% | 21.53% | 20.44% | 17.66% | 16.65% | 17.12% | 17.93% | -251 bps | |
| Net Worth / Assets | 21.50% | 21.46% | 21.53% | 20.44% | 17.66% | 16.65% | 17.12% | 17.93% | -251 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 64.33% | 57.59% | 45.00% | 35.56% | 34.63% | 39.27% | 36.39% | 33.16% | -240 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |