Philadelphia, PA · Cert 25293
FDIC
Q2 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2005, the quarter ended June 30, 2005, 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 · Cert 25293
FDIC
Q2 2005
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.03% | 1.19% | 1.15% | 1.26% | 1.27% | 1.31% | 1.07% | 1.11% | -15 bps | |
| Return on Equity | 17.28% | 19.91% | 18.88% | 20.97% | 21.59% | 22.23% | 18.36% | 19.17% | -180 bps | |
| Net Interest Margin | 3.24% | 3.23% | 3.95% | 3.73% | 3.67% | 3.41% | 3.44% | 3.26% | -47 bps | |
| Efficiency Ratio | 56.76% | 54.12% | 49.20% | 49.81% | 49.52% | 48.95% | 55.62% | 54.54% | +473 bps | |
| Non-Interest Burden | 1.61% | 1.51% | 1.66% | 1.58% | 1.54% | 1.40% | 1.68% | 1.53% | -5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 36.84% | 37.40% | 27.38% | 21.16% | 22.25% | 24.56% | 21.47% | 29.39% | +823 bps | |
| Loan Growth (YoY) | 32.52% | 27.71% | 24.88% | 26.97% | 23.87% | 24.20% | 22.22% | 21.54% | -543 bps | |
| Deposit Growth (YoY) | 39.89% | 39.92% | 27.01% | 22.15% | 23.25% | 24.95% | 22.42% | 29.74% | +760 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.14% | 0.18% | 0.19% | 0.21% | 0.21% | 0.20% | 0.23% | 0.26% | +5 bps | |
| Allowance / Loans | 1.20% | 1.17% | 1.20% | 1.17% | 1.19% | 1.20% | 1.19% | 1.10% | -7 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 13.22% | 14.92% | 14.79% | 14.93% | 14.18% | 14.90% | 14.95% | 14.38% | -55 bps | |
| Equity / Assets | 5.71% | 6.01% | 6.19% | 5.76% | 5.61% | 5.93% | 5.72% | 5.68% | -9 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 26.11% | 26.54% | 26.11% | 27.66% | 26.25% | 26.38% | 26.07% | 25.92% | -175 bps | |
| Liquid Assets / Assets | 17.10% | 19.52% | 20.05% | 23.22% | 19.39% | 32.52% | 35.04% | 34.26% | +1,104 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |