Philadelphia, PA · Cert 27203
FDIC
Q3 2003
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -3.86% | 0.37% | -2.47% | 1.51% | -0.46% | 0.91% | 1.92% | -63.46% | -6,497 bps | |
| Return on Equity | -49.25% | 5.12% | -36.15% | 22.18% | -6.37% | 12.11% | 23.66% | -6237% | -625,874 bps | |
| Net Interest Margin | 1.20% | 3.77% | 2.78% | 4.28% | 5.50% | 5.53% | 5.34% | 2.13% | -215 bps | |
| Efficiency Ratio | 605% | 91.23% | 112.21% | 71.33% | 104.55% | 83.56% | 65.43% | 2598% | +252,695 bps | |
| Non-Interest Burden | 5.15% | 3.40% | 3.36% | 2.77% | 5.69% | 4.57% | 3.08% | 60.47% | +5,770 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.44% | 15.08% | 8.06% | 2.47% | -4.33% | -10.99% | -10.84% | -20.53% | -2,299 bps | |
| Loan Growth (YoY) | 7.30% | 8.44% | 5.00% | 11.68% | 12.50% | 9.98% | 8.58% | -19.20% | -3,088 bps | |
| Deposit Growth (YoY) | 8.07% | 18.21% | 11.39% | 4.87% | -3.11% | -11.30% | -12.17% | -7.63% | -1,249 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 | 0.00% | 0.00% | 2.74% | 0.00% | 0.35% | 0.05% | 0.46% | 0.06% | +6 bps | |
| Allowance / Loans | 0.41% | 0.42% | 0.45% | 0.41% | 0.40% | 0.40% | 0.41% | 0.51% | +10 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 | 14.65% | 12.66% | 16.86% | 14.51% | 14.27% | 14.80% | 17.46% | -14.20% | -2,872 bps | |
| Equity / Assets | 7.22% | 7.11% | 6.55% | 7.12% | 7.28% | 7.84% | 8.35% | -7.45% | -1,456 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 72.25% | 72.28% | 70.25% | 79.67% | 83.89% | 89.63% | 86.85% | 69.68% | -998 bps | |
| Liquid Assets / Assets | 29.29% | 28.16% | 28.14% | 22.49% | 15.25% | 11.91% | 14.56% | 20.01% | -249 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |