Philadelphia, PA · Charter 9372
Q3 2008
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2008, the quarter ended September 30, 2008, 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 9372
Q3 2008
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 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -5.50% | -4.20% | -1.97% | -1.81% | -3.38% | -2.95% | -1.46% | -0.97% | +84 bps | |
| Return on Equity | -32.00% | -24.93% | -11.34% | -10.23% | -21.27% | -19.01% | -10.00% | -6.67% | +356 bps | |
| Net Interest Margin | 0.14% | 1.96% | 3.45% | 3.86% | 2.87% | 4.33% | 4.28% | 2.85% | -100 bps | |
| Efficiency Ratio | n/a | 338% | 175.02% | 142.11% | 225% | 155.12% | 127.87% | 127.87% | -1,424 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.03% | -8.72% | -7.12% | -10.15% | -10.92% | -9.24% | -0.92% | 2.82% | +1,297 bps | |
| Loan Growth (YoY) | 44.07% | 20.93% | 17.93% | 43.94% | 37.14% | 43.75% | 63.48% | 42.06% | -189 bps | |
| Share Growth (YoY) | -3.75% | -4.09% | -4.44% | -8.42% | -9.55% | -13.62% | -3.53% | 0.50% | +892 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.68% | 0.00% | 0.28% | 27.86% | 19.28% | 16.38% | 11.61% | 27.46% | -40 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 | 2.81% | 2.53% | 1.33% | 1.16% | 1.46% | 1.55% | 1.21% | 1.21% | +5 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 17.19% | 16.83% | 17.41% | 17.73% | 15.91% | 15.51% | 14.59% | 14.59% | -315 bps | |
| Net Worth / Assets | 17.19% | 16.83% | 17.41% | 17.73% | 15.91% | 15.51% | 14.59% | 14.59% | -315 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 31.15% | 35.88% | 42.00% | 50.36% | 47.23% | 59.71% | 71.18% | 71.18% | +2,082 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |