Philadelphia, PA · Charter 2795
Q4 1999
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.13% | 4.30% | 3.83% | 4.04% | 3.49% | 2.59% | 3.93% | -0.01% | -405 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 4.79% | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 87.04% | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.83% | 1.54% | 5.86% | -1.13% | -2.11% | 2.90% | -5.84% | -20.08% | -1,894 bps | |
| Loan Growth (YoY) | 21.61% | -2.00% | -8.82% | -8.61% | 3.09% | 7.17% | 6.66% | -2.42% | +619 bps | |
| Share Growth (YoY) | 1.01% | 0.68% | 5.42% | -1.92% | -2.83% | 3.73% | -5.73% | -20.89% | -1,897 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.39% | 4.72% | 4.27% | 3.75% | 1.10% | 1.13% | 1.58% | 1.75% | -200 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.93% | 3.23% | 2.94% | 1.42% | 1.82% | 2.45% | 2.38% | 1.70% | +28 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 62.84% | 61.38% | 58.87% | 62.51% | 66.67% | 63.42% | 66.60% | 77.11% | +1,460 bps | |
| Liquid Assets / Assets | 11.79% | 16.98% | 33.27% | 0.00% | 0.00% | 38.11% | 35.59% | 10.12% | +1,012 bps | |