Pittsburgh, PA · Cert 14558
FDIC
Q4 2004
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.04% | 0.37% | 0.45% | 0.55% | 0.77% | 0.77% | 0.56% | 0.65% | +11 bps | |
| Return on Equity | 13.35% | 4.68% | 5.76% | 6.99% | 10.00% | 10.42% | 7.60% | 8.76% | +177 bps | |
| Net Interest Margin | 3.10% | 3.05% | 3.01% | 3.01% | 3.01% | 2.87% | 2.96% | 3.05% | +4 bps | |
| Efficiency Ratio | 58.53% | 60.88% | 64.33% | 66.15% | 68.34% | 69.29% | 79.90% | 77.37% | +1,122 bps | |
| Non-Interest Burden | 1.53% | 1.57% | 1.68% | 1.76% | 1.87% | 1.80% | 2.23% | 2.21% | +45 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.42% | 6.57% | 2.64% | -0.71% | -1.63% | 2.90% | 1.28% | -0.55% | +16 bps | |
| Loan Growth (YoY) | -0.93% | -6.62% | -8.51% | -6.34% | -6.28% | -3.28% | -0.75% | 0.17% | +651 bps | |
| Deposit Growth (YoY) | 8.66% | 8.74% | 3.80% | -2.03% | -1.22% | 4.22% | 3.20% | 4.74% | +677 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.35% | 0.24% | 0.23% | 0.23% | 0.28% | 0.19% | 0.53% | 0.44% | +21 bps | |
| Allowance / Loans | 1.24% | 2.04% | 2.11% | 2.18% | 2.20% | 2.13% | 1.86% | 1.87% | -31 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 11.25% | 11.33% | 11.49% | 11.70% | 12.00% | 11.07% | 11.32% | 11.79% | +9 bps | |
| Equity / Assets | 7.77% | 7.94% | 7.66% | 7.90% | 7.60% | 6.64% | 7.42% | 7.71% | -19 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 86.74% | 86.62% | 85.92% | 86.32% | 82.29% | 80.39% | 82.63% | 82.55% | -377 bps | |
| Liquid Assets / Assets | 0.16% | 0.59% | 0.11% | 0.12% | 0.05% | 0.29% | 0.11% | 0.03% | -10 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |