Philadelphia, PA · Charter 68525
Q3 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2013, the quarter ended September 30, 2013, 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 68525
Q3 2013
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 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -7.71% | 3.06% | -1.79% | -0.12% | 0.23% | 0.02% | 1.12% | 2.09% | +220 bps | |
| Return on Equity | -76.60% | 29.98% | -17.31% | -1.20% | 2.35% | 0.20% | 11.35% | 18.73% | +1,994 bps | |
| Net Interest Margin | 1.42% | 1.20% | 1.43% | 1.52% | 1.38% | 1.54% | 1.79% | 2.21% | +69 bps | |
| Efficiency Ratio | 266% | 45.33% | 130.04% | 101.90% | 96.11% | 98.95% | 70.83% | 51.48% | -5,042 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -29.98% | -12.91% | -16.33% | -4.47% | 6.37% | 9.06% | 7.06% | 3.84% | +831 bps | |
| Loan Growth (YoY) | -21.97% | -22.67% | -8.79% | -9.88% | 3.79% | 42.86% | 86.70% | 81.99% | +9,186 bps | |
| Share Growth (YoY) | -24.04% | -6.46% | -10.94% | -1.07% | 6.82% | 10.69% | 7.65% | 2.19% | +326 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 27.78% | 15.82% | 13.20% | 14.12% | 13.71% | 10.20% | 16.91% | 7.87% | -626 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 | 26.51% | 17.33% | 15.59% | 13.14% | 12.32% | 11.62% | 9.64% | 8.43% | -470 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.06% | 10.20% | 10.34% | 9.61% | 9.69% | 8.87% | 9.85% | 11.13% | +152 bps | |
| Net Worth / Assets | 10.06% | 10.20% | 10.34% | 9.61% | 9.69% | 8.87% | 9.85% | 11.13% | +152 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 22.36% | 16.28% | 17.15% | 20.18% | 21.73% | 21.01% | 29.74% | 35.94% | +1,576 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |