Philadelphia, PA · Charter 65399
Q2 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2003, the quarter ended June 30, 2003, 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 65399
Q2 2003
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 2000 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.99% | 0.14% | 0.36% | 0.40% | 1.38% | -0.37% | 0.13% | -0.32% | -72 bps | |
| Return on Equity | 9.00% | 1.36% | 3.28% | 3.48% | 11.03% | -3.23% | 1.10% | -2.81% | -629 bps | |
| Net Interest Margin | 7.47% | 6.36% | 7.12% | 8.00% | 8.23% | 7.33% | 6.03% | 7.38% | -61 bps | |
| Efficiency Ratio | 60.95% | 76.63% | 75.57% | 71.33% | 67.66% | 82.34% | 34.94% | 80.32% | +899 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.30% | -6.63% | -4.90% | -8.32% | -1.68% | -10.81% | -6.62% | -6.05% | +227 bps | |
| Loan Growth (YoY) | -16.95% | -18.26% | -18.97% | -18.39% | -19.17% | -16.70% | -22.35% | -15.09% | +330 bps | |
| Share Growth (YoY) | -10.19% | -8.45% | -6.75% | -10.17% | -3.44% | -12.39% | -7.64% | -5.85% | +432 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.98% | 1.46% | 0.85% | 1.11% | 0.00% | 5.09% | 6.34% | 2.03% | +92 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 | 2.34% | 2.14% | 1.40% | 2.61% | 2.87% | 1.67% | 2.23% | 2.59% | -2 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.95% | 10.38% | 11.05% | 11.47% | 12.55% | 11.58% | 11.47% | 11.46% | -1 bps | |
| Net Worth / Assets | 10.95% | 10.38% | 11.05% | 11.47% | 12.55% | 11.58% | 11.47% | 11.46% | -1 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 85.20% | 74.61% | 76.17% | 72.38% | 71.32% | 70.94% | 64.05% | 65.28% | -711 bps | |
| Liquid Assets / Assets | 19.79% | 29.03% | 23.68% | 32.35% | 35.23% | 31.45% | 39.65% | 36.46% | +411 bps | |