Philadelphia, PA · Charter 64897
Q3 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2004, the quarter ended September 30, 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 64897
Q3 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 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.25% | 1.26% | -0.36% | -0.27% | -4.72% | -1.92% | 0.03% | -1.98% | -170 bps | |
| Return on Equity | 1.79% | 10.51% | -2.43% | -1.15% | -35.86% | -15.64% | 0.26% | -17.51% | -1,636 bps | |
| Net Interest Margin | 4.52% | 5.35% | 4.14% | 4.28% | 5.10% | 5.03% | 5.02% | 5.61% | +133 bps | |
| Efficiency Ratio | 81.55% | 68.14% | 102.16% | 102.30% | 163.30% | 130.10% | 99.73% | 131.29% | +2,899 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.45% | -2.83% | -6.73% | 2.84% | -15.12% | -17.45% | -16.87% | -31.02% | -3,386 bps | |
| Loan Growth (YoY) | -10.36% | -9.61% | -10.58% | -10.25% | -6.78% | -2.16% | 14.11% | 13.57% | +2,382 bps | |
| Share Growth (YoY) | 1.72% | 0.87% | -7.04% | -10.25% | -14.13% | -17.67% | -13.37% | -18.52% | -827 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.18% | 1.35% | 1.89% | 3.24% | 2.12% | 0.79% | 0.69% | 2.55% | -69 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 | 1.23% | 0.00% | 1.73% | 0.00% | 1.63% | 2.06% | 1.71% | 1.55% | +155 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.92% | 12.02% | 14.87% | 23.85% | 13.16% | 12.27% | 11.46% | 11.29% | -1,257 bps | |
| Net Worth / Assets | 13.92% | 12.02% | 14.87% | 23.85% | 13.16% | 12.27% | 11.46% | 11.29% | -1,257 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 50.57% | 49.92% | 49.88% | 52.94% | 54.90% | 59.33% | 65.71% | 73.78% | +2,085 bps | |
| Liquid Assets / Assets | 27.75% | 21.13% | 19.21% | 22.78% | 18.76% | 15.20% | 18.09% | 32.35% | +957 bps | |