Pittsburgh, PA · Charter 20482
Q4 2000
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.38% | 3.08% | 3.70% | 3.75% | 3.02% | 0.40% | 3.38% | 2.81% | -94 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 26.12% | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | 3.41% | 6.49% | 6.27% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | 71.45% | 45.52% | 38.01% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.48% | 17.39% | 19.95% | 6.00% | 8.60% | 2.85% | 3.90% | 5.55% | -45 bps | |
| Loan Growth (YoY) | 65.99% | 55.84% | 15.78% | -5.02% | -21.54% | -31.57% | -4.80% | -12.01% | -699 bps | |
| Share Growth (YoY) | 11.17% | 19.25% | 21.80% | 5.31% | 8.04% | 1.61% | 2.92% | 5.20% | -11 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 7.97% | 9.96% | 9.11% | 5.66% | +566 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 | 0.19% | 1.48% | 2.36% | 3.01% | 3.62% | 5.96% | 5.36% | 7.98% | +497 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 10.76% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 10.76% | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 66.50% | 60.64% | 51.36% | 55.95% | 48.29% | 40.84% | 47.51% | 46.79% | -915 bps | |
| Liquid Assets / Assets | 37.60% | 44.28% | 42.02% | 48.61% | 43.22% | 5.59% | 5.60% | 61.03% | +1,242 bps | |