Philadelphia, PA · Cert 27148
FDIC
Q3 2012
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -7.41% | 1.60% | 0.29% | -3.01% | -3.18% | 0.09% | -4.24% | -1.94% | +107 bps | |
| Return on Equity | -249% | 67.32% | 10.05% | -106.48% | -149.69% | 4.87% | -312% | -301% | -19,432 bps | |
| Net Interest Margin | 2.65% | 2.67% | 2.74% | 2.59% | 2.41% | 2.56% | 2.46% | 2.35% | -24 bps | |
| Efficiency Ratio | 120.06% | 62.94% | 89.60% | 104.54% | 106.23% | 94.09% | 96.71% | 114.44% | +990 bps | |
| Non-Interest Burden | 4.16% | 0.84% | 2.37% | 2.73% | 5.78% | 2.35% | 2.35% | 2.80% | +7 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 | 5.55% | -0.22% | 2.06% | 4.00% | 1.36% | 1.91% | 8.35% | 4.65% | +65 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 |