Pittsburgh, PA · Charter 18787
Q3 2007
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 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.77% | 0.45% | 0.08% | 0.10% | 0.11% | 1.49% | -13.49% | -10.75% | -1,085 bps | |
| Return on Equity | -8.00% | 4.48% | 0.72% | 0.88% | 0.94% | 13.43% | -216% | -133.99% | -13,488 bps | |
| Net Interest Margin | 2.04% | 3.12% | 2.58% | 2.57% | 2.69% | 3.59% | 3.77% | 4.29% | +172 bps | |
| Efficiency Ratio | 98.22% | 63.40% | 69.62% | 67.40% | 68.04% | 39.30% | 72.73% | 71.20% | +380 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -19.61% | -25.41% | -15.16% | -15.84% | -12.92% | -1.57% | -7.53% | -22.01% | -617 bps | |
| Loan Growth (YoY) | -42.60% | -28.94% | -24.56% | -17.44% | -10.92% | -16.47% | -37.12% | -45.46% | -2,802 bps | |
| Share Growth (YoY) | -13.61% | -22.74% | -10.51% | -11.45% | -16.05% | -3.00% | -7.90% | -23.66% | -1,221 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 64.48% | 72.74% | 68.62% | 49.17% | 48.99% | 61.39% | 54.86% | 85.20% | +3,603 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 | 7.13% | 7.81% | 9.23% | 10.01% | 11.11% | 12.67% | 30.48% | 35.25% | +2,523 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.61% | 9.98% | 10.40% | 10.89% | 11.22% | 11.10% | 6.25% | 8.02% | -287 bps | |
| Net Worth / Assets | 9.61% | 9.98% | 10.40% | 10.89% | 11.22% | 11.10% | 6.25% | 8.02% | -287 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 24.45% | 25.77% | 25.01% | 26.15% | 25.94% | 22.19% | 17.07% | 18.68% | -747 bps | |
| Liquid Assets / Assets | 75.72% | 75.53% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |