Philadelphia, PA · Cert 35071
FDIC
Q1 2009
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.23% | 0.13% | -0.17% | -0.75% | 0.10% | -0.57% | 0.83% | 0.82%1 | +157 bps | |
| Return on Equity | -3.72% | 2.05% | -2.53% | -10.89% | 1.45% | -8.08% | 8.52% | 6.71% | +1,760 bps | |
| Net Interest Margin | 3.27% | 3.16% | 2.87% | 2.92% | 3.09% | 3.41% | -7.91% | 2.86% | -6 bps | |
| Efficiency Ratio | 105.55% | 97.04% | 104.35% | 122.16% | 97.69% | 114.52% | 122.48% | 97.34% | -2,482 bps | |
| Non-Interest Burden | 3.50% | 3.03% | 3.04% | 3.67% | 2.99% | 3.99% | -8.77% | 2.77% | -90 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -18.99% | -20.93% | -15.03% | -8.45% | -12.23% | -9.73% | -2.68% | -0.61% | +784 bps | |
| Loan Growth (YoY) | -0.97% | 0.15% | -2.43% | -2.40% | -4.41% | -3.82% | -2.56% | 1.33% | +373 bps | |
| Deposit Growth (YoY) | -3.90% | -3.19% | -10.12% | -7.27% | -13.89% | -15.65% | -8.83% | -11.11% | -384 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 | -0.08% | -0.05% | -0.06% | 0.10% | 0.60% | -0.47% | -0.22% | 0.39% | +29 bps | |
| Allowance / Loans | 1.74% | 1.73% | 1.79% | 1.76% | 1.67% | 1.76% | 1.72% | 1.57% | -19 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 | 9.27% | 9.32% | 9.40% | 9.29% | 9.78% | 9.53% | 10.69% | 10.47% | +118 bps | |
| Equity / Assets | 6.07% | 6.57% | 6.73% | 6.99% | 7.08% | 7.13% | 12.11% | 12.45% | +546 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 81.52% | 86.36% | 84.33% | 89.49% | 90.50% | 98.48% | 90.13% | 102.02% | +1,253 bps | |
| Liquid Assets / Assets | 2.69% | 1.60% | 2.28% | 2.00% | 2.37% | 1.79% | 5.97% | 1.52% | -48 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |