Philadelphia, PA · Charter 4455
Q1 2004
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.31% | -1.13% | -0.82% | -1.30% | -1.12% | -0.94% | -0.97% | -9.75% | -846 bps | |
| Return on Equity | -8.50% | -7.11% | -5.09% | -8.02% | -6.82% | -5.38% | -5.82% | -68.25% | -6,023 bps | |
| Net Interest Margin | 0.90% | 1.24% | 1.78% | 1.98% | 2.26% | 2.30% | 2.41% | -6.35% | -833 bps | |
| Efficiency Ratio | 201% | 173.36% | 140.17% | 164.68% | 143.71% | 136.97% | 137.32% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 36.15% | 28.06% | 18.50% | 0.08% | -10.27% | -11.91% | -8.01% | -6.81% | -689 bps | |
| Loan Growth (YoY) | -4.82% | -1.59% | 10.86% | -20.01% | -26.05% | -23.25% | -34.92% | -37.11% | -1,710 bps | |
| Share Growth (YoY) | 44.58% | 36.20% | 24.39% | 1.40% | -11.49% | -13.56% | -8.58% | -4.73% | -613 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.42% | 2.60% | 7.58% | 7.14% | 6.11% | 2.32% | 7.39% | 2.05% | -509 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 | 2.59% | 2.53% | 2.40% | 2.76% | 3.22% | 3.04% | 3.39% | 4.03% | +127 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.38% | 15.93% | 16.21% | 16.17% | 16.44% | 17.42% | 16.65% | 14.29% | -188 bps | |
| Net Worth / Assets | 15.38% | 15.93% | 16.21% | 16.17% | 16.44% | 17.42% | 16.65% | 14.29% | -188 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 11.78% | 12.67% | 13.61% | 12.08% | 9.84% | 11.25% | 9.69% | 7.97% | -411 bps | |
| Liquid Assets / Assets | 71.77% | 46.84% | 15.85% | 86.69% | 40.22% | 42.11% | 50.65% | 51.36% | -3,533 bps | |