Philadelphia, PA · Cert 35034
FDIC
Q3 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2005, the quarter ended September 30, 2005, 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 35034
FDIC
Q3 2005
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 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.84% | 0.75% | 0.88% | 0.78% | 0.67% | 1.76% | 1.26% | 1.06% | +27 bps | |
| Return on Equity | 7.93% | 7.24% | 8.62% | 7.69% | 6.61% | 17.31% | 12.22% | 10.30% | +261 bps | |
| Net Interest Margin | 3.98% | 3.78% | 3.77% | 4.01% | 4.02% | 3.90% | 3.97% | 3.93% | -9 bps | |
| Efficiency Ratio | 75.43% | 80.90% | 77.53% | 80.92% | 77.17% | 73.91% | 75.53% | 79.14% | -178 bps | |
| Non-Interest Burden | 3.02% | 3.04% | 2.92% | 3.24% | 3.09% | 2.87% | 2.99% | 3.11% | -13 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.96% | 9.77% | 3.77% | 6.64% | 6.02% | -0.92% | 2.45% | -1.46% | -810 bps | |
| Loan Growth (YoY) | -3.05% | -5.35% | 3.22% | 9.66% | 12.66% | 11.84% | -2.16% | -10.67% | -2,033 bps | |
| Deposit Growth (YoY) | 6.53% | 10.78% | 5.05% | 6.84% | 6.54% | -1.09% | 1.64% | -2.57% | -941 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 | 0.18% | 0.00% | 0.00% | 0.00% | 0.00% | -1.55% | -0.82% | -0.58% | -58 bps | |
| Allowance / Loans | 0.58% | 0.45% | 0.42% | 0.40% | 0.52% | 0.51% | 0.54% | 0.57% | +17 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 | 20.42% | 19.82% | 19.94% | 20.29% | 20.11% | 21.22% | 22.28% | 23.22% | +293 bps | |
| Equity / Assets | 10.49% | 10.13% | 9.90% | 10.27% | 9.98% | 10.32% | 10.70% | 10.12% | -15 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 62.92% | 61.23% | 66.62% | 68.19% | 66.54% | 69.24% | 64.13% | 62.52% | -567 bps | |
| Liquid Assets / Assets | 3.13% | 2.73% | 2.18% | 3.48% | 2.39% | 1.28% | 3.85% | 6.08% | +260 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |