Philadelphia, PA · Charter 60376
Q2 1997
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 | Q2 1994 | Q4 1994 | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|
| Earnings | |||||||||
| Return on Assets | 2.61% | 2.79% | 3.32% | 3.15% | 2.28% | 2.30% | -0.14% | -347 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||||
| Asset Growth (YoY) | n/a | n/a | n/a | n/a | -27.17% | -28.44% | -27.15% | n/a | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | 0.31% | -7.47% | -6.45% | n/a | |
| Share Growth (YoY) | n/a | n/a | n/a | n/a | -30.66% | -31.97% | -29.41% | n/a | |
| Asset Quality | |||||||||
| Delinquent Loans / Loans | 1.29% | 1.70% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.03% | 0.86% | 1.20% | 1.19% | 1.25% | 1.13% | 1.01% | -19 bps | |
| Capital | |||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||||
| Loans / Shares | 34.70% | 42.87% | 46.33% | 52.10% | 50.20% | 58.31% | 61.40% | +1,507 bps | |
| Liquid Assets / Assets | 15.88% | 53.59% | 39.19% | 45.76% | 46.21% | 40.18% | 32.67% | -652 bps | |