Pittsburgh, PA · Charter 22818
Q4 1998
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 | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.60% | 4.91% | 4.82% | 4.55% | 5.05% | 5.29% | 4.41% | 5.83% | +128 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | n/a | n/a | 10.04% | 6.09% | 3.95% | 1.35% | -7.29% | -24.75% | -3,084 bps | |
| Loan Growth (YoY) | n/a | n/a | -0.31% | -0.36% | 1.49% | -5.29% | -7.84% | -31.24% | -3,088 bps | |
| Share Growth (YoY) | n/a | n/a | 7.38% | 6.20% | 3.50% | 0.72% | -9.78% | -32.40% | -3,860 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.72% | 2.11% | 6.19% | 3.60% | 3.35% | 0.85% | 3.49% | 3.10% | -50 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% | 2.94% | 1.75% | 2.28% | 2.75% | 2.51% | 3.70% | 4.94% | +265 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 66.83% | 69.30% | 65.87% | 66.50% | 65.53% | 65.17% | 67.28% | 67.65% | +115 bps | |
| Liquid Assets / Assets | 39.78% | 38.46% | 41.75% | 41.29% | 42.98% | 41.50% | 40.39% | 42.86% | +157 bps | |