Pittsburgh, PA · Charter 23073
Q1 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2009, the quarter ended March 31, 2009, 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 23073
Q1 2009
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 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.56% | -0.63% | -0.32% | 0.32% | -0.12% | -12.54% | -10.01% | -3.60% | -392 bps | |
| Return on Equity | -4.27% | -4.70% | -2.39% | 2.24% | -0.82% | -177.51% | -131.36% | -57.88% | -6,011 bps | |
| Net Interest Margin | 5.30% | 5.60% | 5.93% | 6.76% | 6.07% | 6.90% | 7.06% | 5.85% | -91 bps | |
| Efficiency Ratio | 92.29% | 85.73% | 84.24% | 72.37% | 78.28% | 87.88% | 85.20% | 80.11% | +774 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.10% | 2.17% | 6.53% | -6.74% | -12.01% | -18.21% | -22.83% | -13.27% | -654 bps | |
| Loan Growth (YoY) | -16.16% | 1.19% | 13.34% | 5.38% | 5.72% | -16.54% | -17.20% | -18.14% | -2,351 bps | |
| Share Growth (YoY) | 4.09% | 2.44% | 3.88% | -7.58% | -13.66% | -11.55% | -15.79% | -5.15% | +244 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 7.01% | 6.92% | 4.81% | 7.79% | 7.00% | 5.39% | 4.97% | 5.26% | -253 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 | 3.03% | 3.51% | 2.47% | 3.26% | 1.27% | 2.19% | 2.52% | 3.31% | +6 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.05% | 13.33% | 13.54% | 14.33% | 14.84% | 7.07% | 7.62% | 6.21% | -812 bps | |
| Net Worth / Assets | 13.05% | 13.33% | 13.54% | 14.33% | 14.84% | 7.07% | 7.62% | 6.21% | -812 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 82.47% | 97.24% | 105.53% | 96.30% | 100.97% | 91.75% | 103.76% | 83.11% | -1,319 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |