Philadelphia, PA · Charter 61591
Q4 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2004, the quarter ended December 31, 2004, 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 61591
Q4 2004
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 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.63% | 1.34% | 1.87% | 0.79% | 0.52% | 1.43% | 1.39% | 1.09% | +30 bps | |
| Return on Equity | 10.03% | 5.20% | 7.35% | 3.06% | 2.24% | 6.21% | 5.60% | 4.26% | +120 bps | |
| Net Interest Margin | 6.27% | 5.76% | 5.74% | 5.14% | 3.78% | 4.31% | 4.54% | 4.81% | -32 bps | |
| Efficiency Ratio | 41.29% | 58.62% | 49.79% | 69.61% | 86.30% | 66.91% | 69.50% | 77.43% | +782 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.80% | 8.36% | 13.47% | 9.59% | 15.57% | 17.23% | 6.71% | 5.49% | -410 bps | |
| Loan Growth (YoY) | -19.78% | -23.01% | -16.64% | -25.82% | -17.59% | 19.78% | 22.09% | 44.99% | +7,081 bps | |
| Share Growth (YoY) | 3.74% | 9.06% | 16.67% | 11.92% | 20.76% | 21.32% | 7.45% | 5.83% | -609 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 12.01% | 9.11% | 14.71% | 15.47% | 12.05% | 11.87% | 19.44% | 13.12% | -235 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 | 3.90% | 5.10% | 5.62% | 6.21% | 5.83% | 4.70% | 4.60% | 4.29% | -193 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 26.22% | 25.82% | 25.43% | 25.76% | 23.09% | 22.97% | 24.77% | 25.51% | -25 bps | |
| Net Worth / Assets | 26.22% | 25.82% | 25.43% | 25.76% | 23.09% | 22.97% | 24.77% | 25.51% | -25 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 80.44% | 66.76% | 64.70% | 59.93% | 54.89% | 65.91% | 73.51% | 82.10% | +2,217 bps | |
| Liquid Assets / Assets | 20.20% | 51.97% | 53.63% | 57.54% | 59.65% | 51.08% | 46.00% | 40.47% | -1,708 bps | |