Pittsburgh, PA · Charter 23443
Q2 2000
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 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 5.35% | 4.43% | 2.78% | 0.89% | 2.97% | -0.74% | -0.17% | 1.47% | +57 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 | 6.52% | 6.37% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | 60.68% | 67.73% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.65% | -0.75% | -2.84% | -2.78% | -6.44% | -0.95% | 2.34% | -18.25% | -1,547 bps | |
| Loan Growth (YoY) | -7.99% | -31.20% | -23.58% | 2.30% | 0.87% | -9.07% | -16.36% | -29.93% | -3,223 bps | |
| Share Growth (YoY) | -0.79% | -4.48% | -7.22% | -4.62% | -8.67% | 0.02% | 1.68% | -21.89% | -1,726 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.33% | 1.69% | 8.70% | 4.49% | 7.49% | 5.55% | 1.40% | 7.17% | +268 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 | 1.25% | 0.50% | 1.67% | 2.69% | 1.42% | 1.68% | 2.63% | 2.75% | +6 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 | 67.81% | 63.23% | 75.79% | 64.51% | 74.90% | 57.48% | 62.34% | 57.87% | -664 bps | |
| Liquid Assets / Assets | 26.96% | 31.95% | 17.17% | 28.45% | 29.92% | 43.96% | 0.96% | 48.41% | +1,995 bps | |