Philadelphia, PA · Cert 27148
FDIC
Q3 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2012, the quarter ended September 30, 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 · Cert 27148
FDIC
Q3 2012
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 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -3.07% | 1.60% | 0.97% | -0.30% | -0.98% | 0.09% | -2.02% | -2.00% | -170 bps | |
| Return on Equity | -85.28% | 67.32% | 37.00% | -11.48% | -40.45% | 4.87% | -135.92% | -158.73% | -14,725 bps | |
| Net Interest Margin | 2.68% | 2.67% | 2.82% | 2.80% | 2.76% | 2.56% | 2.57% | 2.57% | -23 bps | |
| Efficiency Ratio | 93.75% | 62.94% | 73.58% | 81.67% | 86.31% | 94.09% | 95.37% | 100.95% | +1,928 bps | |
| Non-Interest Burden | 2.68% | 0.84% | 1.64% | 2.04% | 3.01% | 2.35% | 2.40% | 2.60% | +56 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.11% | 0.01% | -15.95% | -14.57% | -14.85% | -15.36% | -11.96% | -18.20% | -362 bps | |
| Loan Growth (YoY) | -10.41% | -14.14% | -15.86% | -15.59% | -15.93% | -15.54% | -16.77% | -19.67% | -408 bps | |
| Deposit Growth (YoY) | 10.10% | 5.49% | -14.07% | -12.03% | -12.30% | -13.75% | -8.31% | -16.41% | -437 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 | 3.72% | -0.22% | 0.92% | 1.97% | 1.89% | 1.91% | 5.19% | 5.27% | +330 bps | |
| Allowance / Loans | 2.79% | 3.17% | 2.79% | 2.97% | 2.78% | 2.44% | 2.27% | 2.28% | -69 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 | 4.46% | 5.20% | 5.38% | 4.58% | 4.45% | 4.54% | 3.30% | 2.77% | -180 bps | |
| Equity / Assets | 2.13% | 2.66% | 3.12% | 2.53% | 1.72% | 1.93% | 0.78% | 0.50% | -203 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 71.93% | 72.28% | 74.48% | 71.51% | 68.95% | 70.78% | 67.60% | 68.72% | -279 bps | |
| Liquid Assets / Assets | 7.37% | 6.18% | 4.02% | 12.95% | 13.02% | 9.59% | 2.49% | 10.35% | -259 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |