Philadelphia, PA · Cert 35034
FDIC
Q3 2005
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.60% | 0.34% | 1.76% | 0.77% | 0.64% | +4 bps | |
| Return on Equity | 5.99% | 3.36% | 17.31% | 7.36% | 6.19% | +20 bps | |
| Net Interest Margin | 4.47% | 4.17% | 3.90% | 4.08% | 3.83% | -64 bps | |
| Efficiency Ratio | 86.67% | 66.33% | 73.91% | 77.08% | 86.67% | 0 bps | |
| Non-Interest Burden | 3.87% | 2.76% | 2.87% | 3.14% | 3.32% | -55 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.64% | 6.02% | -0.92% | 2.45% | -1.46% | -810 bps | |
| Loan Growth (YoY) | 9.66% | 12.66% | 11.84% | -2.16% | -10.67% | -2,033 bps | |
| Deposit Growth (YoY) | 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 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | -1.55% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 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 |
| Capital | |||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 20.29% | 20.11% | 21.22% | 22.28% | 23.22% | +293 bps | |
| Equity / Assets | 10.27% | 9.98% | 10.32% | 10.70% | 10.12% | -15 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 68.19% | 66.54% | 69.24% | 64.13% | 62.52% | -567 bps | |
| Liquid Assets / Assets | 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 |