Philadelphia, PA · Charter 3921
Q3 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2009, the quarter ended September 30, 2009, 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 · Charter 3921
Q3 2009
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.95% | -26.99% | -13.49% | -8.72% | -7.15% | 1.31% | -1.15% | -0.46% | +826 bps | |
| Return on Equity | 4.28% | -145.12% | -73.90% | -41.81% | -38.93% | 4.58% | -2.98% | -1.16% | +4,065 bps | |
| Net Interest Margin | 3.01% | 4.50% | 4.84% | 5.29% | 3.38% | 9.82% | 7.91% | 7.13% | +185 bps | |
| Efficiency Ratio | 69.95% | 60.94% | 82.96% | 67.11% | 88.53% | 36.71% | 108.52% | 101.91% | +3,480 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.91% | -10.71% | -9.42% | -17.89% | -15.54% | -38.08% | -51.56% | -48.31% | -3,042 bps | |
| Loan Growth (YoY) | -15.09% | -17.79% | -16.84% | -14.72% | -12.18% | -8.69% | -9.46% | -10.80% | +392 bps | |
| Share Growth (YoY) | -5.52% | -6.11% | -3.41% | -14.50% | -11.25% | -45.93% | -64.65% | -61.54% | -4,704 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 25.26% | 33.80% | 34.13% | 0.00% | 0.00% | 0.00% | 32.18% | 34.68% | +3,468 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 | 4.36% | 25.57% | 26.80% | 28.44% | 26.45% | 28.00% | 29.60% | 31.89% | +344 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 22.32% | 18.60% | 18.26% | 20.86% | 18.37% | 28.55% | 38.76% | 40.05% | +1,919 bps | |
| Net Worth / Assets | 22.32% | 18.60% | 18.26% | 20.86% | 18.37% | 28.55% | 38.76% | 40.05% | +1,919 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 35.34% | 34.53% | 32.72% | 34.89% | 34.97% | 58.31% | 83.80% | 80.93% | +4,604 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |