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 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.30% | -0.98% | 0.09% | -2.02% | -2.00% | -170 bps | |
| Return on Equity | -11.48% | -40.45% | 4.87% | -135.92% | -158.73% | -14,725 bps | |
| Net Interest Margin | 2.80% | 2.76% | 2.56% | 2.57% | 2.57% | -23 bps | |
| Efficiency Ratio | 81.67% | 86.31% | 94.09% | 95.37% | 100.95% | +1,928 bps | |
| Non-Interest Burden | 2.04% | 3.01% | 2.35% | 2.40% | 2.60% | +56 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -14.57% | -14.85% | -15.36% | -11.96% | -18.20% | -362 bps | |
| Loan Growth (YoY) | -15.59% | -15.93% | -15.54% | -16.77% | -19.67% | -408 bps | |
| Deposit Growth (YoY) | -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 bps | |
| Net Charge-Offs / Loans | 1.97% | 1.89% | 1.91% | 5.19% | 5.27% | +330 bps | |
| Allowance / Loans | 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 |
| Capital | |||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 4.58% | 4.45% | 4.54% | 3.30% | 2.77% | -180 bps | |
| Equity / Assets | 2.53% | 1.72% | 1.93% | 0.78% | 0.50% | -203 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 71.51% | 68.95% | 70.78% | 67.60% | 68.72% | -279 bps | |
| Liquid Assets / Assets | 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 |