Philadelphia, PA · Charter 63803
Q4 1998
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.86% | 3.40% | 2.77% | 2.68% | 1.82% | 2.54% | 4.92% | 2.46% | -22 bps | |
| Return on Equity | n/a | 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 | n/a |
| Efficiency Ratio | n/a | 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 | -20.01% | -18.73% | -13.49% | -8.93% | -11.63% | -6.54% | +1,219 bps | |
| Loan Growth (YoY) | n/a | n/a | -22.54% | -20.48% | -5.98% | -3.78% | -8.23% | -7.26% | +1,322 bps | |
| Share Growth (YoY) | n/a | n/a | -28.61% | -26.02% | -23.16% | -18.78% | -31.96% | -26.14% | -12 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 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 | n/a |
| Allowance / Loans | 2.54% | 3.34% | 3.83% | 4.30% | 4.69% | 5.20% | 6.03% | 6.03% | +173 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | 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 | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 118.63% | 125.52% | 123.69% | 132.87% | 145.16% | 148.69% | 166.84% | 166.84% | +3,397 bps | |
| Liquid Assets / Assets | 6.65% | 6.22% | 6.25% | 6.69% | 2.46% | 3.49% | 4.68% | 5.43% | -126 bps | |