Philadelphia, PA · Charter 68406
Q4 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2011, the quarter ended December 31, 2011, 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 68406
Q4 2011
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 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.82% | -1.26% | 2.43% | 2.32% | -1.11% | 2.33% | -3.55% | -4.77% | -709 bps | |
| Return on Equity | -33.99% | -23.62% | 40.20% | 38.02% | -19.95% | 38.79% | -97.65% | -121.96% | -15,999 bps | |
| Net Interest Margin | 4.36% | 4.22% | 2.67% | 3.21% | 4.22% | 4.25% | 4.75% | 6.74% | +353 bps | |
| Efficiency Ratio | 113.82% | 79.77% | 46.83% | 51.39% | 99.86% | 50.76% | 99.56% | 87.38% | +3,599 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -12.15% | -5.97% | -1.13% | 40.27% | 47.50% | 36.24% | 15.41% | -32.38% | -7,266 bps | |
| Loan Growth (YoY) | -3.23% | 2.24% | 8.27% | 68.13% | 44.02% | 29.69% | 8.23% | -33.54% | -10,167 bps | |
| Share Growth (YoY) | -3.53% | 8.39% | 11.45% | 48.59% | 52.83% | 35.33% | 21.27% | -30.23% | -7,883 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 11.19% | 10.84% | 7.98% | 7.47% | 10.79% | 27.82% | 16.64% | 12.58% | +511 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 | 5.11% | 4.16% | 3.82% | 3.65% | 3.43% | 0.78% | 0.58% | 7.42% | +377 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 5.35% | 5.33% | 6.04% | 6.11% | 5.55% | 6.00% | 3.64% | 3.91% | -220 bps | |
| Net Worth / Assets | 5.35% | 5.33% | 6.04% | 6.11% | 5.55% | 6.00% | 3.64% | 3.91% | -220 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 55.73% | 55.91% | 52.80% | 59.03% | 52.52% | 53.58% | 47.12% | 56.23% | -280 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |