Philadelphia, PA · Charter 6792
Q4 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2003, the quarter ended December 31, 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 6792
Q4 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 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.48% | -0.25% | -0.45% | 0.01% | -1.09% | -7.23% | -6.05% | -4.41% | -442 bps | |
| Return on Equity | 3.10% | -1.76% | -3.08% | 0.10% | -7.68% | -71.16% | -59.39% | -39.55% | -3,965 bps | |
| Net Interest Margin | 7.17% | 5.73% | 6.26% | 6.35% | 5.96% | 5.83% | 5.93% | 6.49% | +14 bps | |
| Efficiency Ratio | 91.81% | 104.31% | 97.69% | 92.97% | 113.06% | 112.93% | 124.08% | 112.32% | +1,935 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.52% | 12.22% | 6.62% | -3.05% | 6.93% | 1.58% | -0.95% | -6.14% | -309 bps | |
| Loan Growth (YoY) | -11.25% | -2.02% | -11.76% | -2.69% | -5.36% | -13.07% | -9.44% | -18.78% | -1,609 bps | |
| Share Growth (YoY) | 1.27% | 12.66% | 6.67% | -4.12% | 8.19% | 6.50% | 4.41% | -2.08% | +204 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.75% | 1.15% | 3.07% | 7.04% | 10.45% | 4.23% | 0.91% | 2.58% | -446 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 | 5.42% | 3.58% | 5.28% | 5.24% | 5.90% | 9.28% | 9.41% | 10.30% | +506 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.39% | 13.98% | 14.55% | 14.38% | 14.14% | 10.16% | 10.18% | 11.14% | -324 bps | |
| Net Worth / Assets | 15.39% | 13.98% | 14.55% | 14.38% | 14.14% | 10.16% | 10.18% | 11.14% | -324 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 50.72% | 44.83% | 45.24% | 46.44% | 44.36% | 36.59% | 39.23% | 38.53% | -792 bps | |
| Liquid Assets / Assets | 52.54% | 62.10% | 0.00% | 36.62% | 8.33% | 16.74% | 19.51% | 11.90% | -2,472 bps | |