Philadelphia, PA · Charter 583
Q3 2006
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 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.06% | 0.32% | 0.47% | 0.58% | 0.62% | 0.12% | 0.37% | -4.57% | -515 bps | |
| Return on Equity | 11.56% | 3.56% | 5.15% | 6.18% | 6.34% | 1.22% | 3.73% | -68.66% | -7,484 bps | |
| Net Interest Margin | 4.25% | 3.97% | 3.87% | 3.89% | 3.95% | 3.67% | 3.76% | 4.08% | +19 bps | |
| Efficiency Ratio | 72.74% | 82.91% | 81.28% | 79.79% | 80.04% | 91.77% | 86.67% | 296% | +21,637 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.45% | -0.17% | -0.50% | 0.73% | -0.20% | -0.85% | -1.26% | -5.10% | -583 bps | |
| Loan Growth (YoY) | -6.29% | -6.21% | -1.75% | 8.19% | 8.56% | 15.37% | 13.67% | 3.82% | -438 bps | |
| Share Growth (YoY) | -1.66% | -1.12% | -1.77% | -0.27% | -0.90% | -1.51% | -1.72% | -3.60% | -333 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.61% | 3.12% | 3.43% | 2.79% | 2.67% | 2.57% | 2.65% | 0.24% | -255 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 | 3.73% | 3.94% | 3.65% | 3.07% | 2.73% | 2.80% | 2.44% | 2.57% | -50 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.17% | 9.08% | 9.18% | 9.40% | 9.81% | 9.72% | 9.86% | 6.66% | -274 bps | |
| Net Worth / Assets | 9.17% | 9.08% | 9.18% | 9.40% | 9.81% | 9.72% | 9.86% | 6.66% | -274 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 44.60% | 41.76% | 43.22% | 46.60% | 48.86% | 48.92% | 49.98% | 50.19% | +358 bps | |
| Liquid Assets / Assets | 15.35% | 19.74% | 17.14% | 18.12% | 16.32% | 16.66% | 0.00% | 0.00% | -1,812 bps | |