Philadelphia, PA · Cert 57871
FDIC
Q2 2010
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -3.98% | -3.99% | -4.26% | -2.56% | -2.01% | -0.91% | -0.26% | -1.22% | +134 bps | |
| Return on Equity | -27.08% | -32.17% | -40.01% | -29.57% | -28.17% | -13.88% | -4.00% | -18.91% | +1,066 bps | |
| Net Interest Margin | 3.51% | 3.21% | 3.13% | 3.21% | 2.83% | 3.06% | 3.57% | 3.71% | +50 bps | |
| Efficiency Ratio | 192.09% | 196.16% | 193.41% | 164.71% | 149.52% | 125.37% | 101.73% | 102.55% | -6,216 bps | |
| Non-Interest Burden | 7.12% | 6.74% | 6.45% | 5.61% | 4.41% | 3.92% | 3.63% | 3.82% | -180 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 25.08% | 23.56% | 52.66% | 58.65% | 55.99% | 49.39% | 37.09% | 22.48% | -3,617 bps | |
| Loan Growth (YoY) | 101.88% | 77.58% | 57.04% | 46.50% | 44.05% | 39.80% | 32.32% | 17.48% | -2,902 bps | |
| Deposit Growth (YoY) | 18.66% | 13.29% | 58.00% | 60.93% | 68.01% | 62.85% | 40.97% | 24.05% | -3,688 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 | 0.00% | 0.00% | 1.01% | 0.18% | 0.04% | 0.02% | 0.00% | 0.00% | -18 bps | |
| Allowance / Loans | 1.28% | 1.30% | 1.28% | 1.29% | 1.43% | 1.44% | 1.49% | 1.94% | +66 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 | 17.92% | 15.59% | 13.34% | 11.33% | 10.21% | 10.57% | 10.40% | 10.26% | -107 bps | |
| Equity / Assets | 13.01% | 11.81% | 9.63% | 7.80% | 6.57% | 6.56% | 6.38% | 6.57% | -123 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 90.12% | 97.73% | 88.35% | 88.64% | 77.27% | 83.89% | 82.93% | 83.95% | -470 bps | |
| Liquid Assets / Assets | 11.02% | 6.48% | 0.21% | 0.41% | 0.24% | 2.32% | 3.62% | 7.32% | +691 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |