Pittsburgh, PA · Charter 13353
Q2 2008
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2008, the quarter ended June 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.
Pittsburgh, PA · Charter 13353
Q2 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 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.45% | 0.23% | 1.63% | -1.07% | -1.08% | -1.00% | -4.43% | -4.48% | -341 bps | |
| Return on Equity | 3.98% | 2.02% | 13.53% | -9.40% | -8.86% | -8.55% | -35.71% | -35.57% | -2,617 bps | |
| Net Interest Margin | 3.05% | 3.13% | 4.82% | 3.20% | 3.30% | 3.09% | -1.74% | 0.81% | -239 bps | |
| Efficiency Ratio | 109.35% | 103.30% | 66.40% | 101.71% | 104.51% | 110.28% | n/a | 353% | +25,158 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.01% | -11.91% | -10.95% | -10.04% | -13.18% | -5.75% | -16.94% | -23.90% | -1,387 bps | |
| Loan Growth (YoY) | 29.65% | 12.96% | 5.48% | -7.81% | -14.07% | -12.32% | -16.58% | -22.16% | -1,435 bps | |
| Share Growth (YoY) | -13.13% | -13.62% | -8.74% | -11.54% | -14.27% | -12.92% | -25.69% | -24.55% | -1,301 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.92% | 0.81% | 0.23% | 2.18% | 1.82% | 4.05% | 15.94% | 19.93% | +1,775 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 | 0.95% | 0.97% | 0.59% | 1.41% | 0.66% | 0.69% | 0.76% | 0.88% | -53 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.27% | 11.54% | 12.08% | 11.40% | 12.20% | 11.74% | 12.40% | 12.59% | +119 bps | |
| Net Worth / Assets | 11.27% | 11.54% | 12.08% | 11.40% | 12.20% | 11.74% | 12.40% | 12.59% | +119 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 77.05% | 76.92% | 75.70% | 74.78% | 77.22% | 77.45% | 84.99% | 77.15% | +237 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |