Philadelphia, PA · Charter 65538
Q2 1999
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.56% | 2.96% | 3.79% | 4.72% | 4.72% | 4.50% | 4.57% | 3.49% | -124 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 | 2.72% | -2.88% | -3.51% | -3.59% | -7.89% | -12.38% | -12.97% | -946 bps | |
| Loan Growth (YoY) | n/a | 1.66% | 1.07% | 0.17% | 1.66% | -1.53% | -6.32% | -21.60% | -2,176 bps | |
| Share Growth (YoY) | n/a | 3.14% | -2.77% | -4.72% | -6.14% | -12.07% | -17.43% | -17.74% | -1,303 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.67% | 0.23% | 0.32% | 0.53% | 0.77% | 0.17% | 0.71% | 1.89% | +137 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 | 0.82% | 0.88% | 1.01% | 1.34% | 1.69% | 0.96% | 2.01% | 3.33% | +199 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 | 87.60% | 85.31% | 88.89% | 91.87% | 94.88% | 95.53% | 100.85% | 87.57% | -430 bps | |
| Liquid Assets / Assets | 17.06% | 16.66% | 17.43% | 18.20% | 15.81% | 16.18% | 13.22% | 20.72% | +252 bps | |