Pittsburg, PA · Charter 24477
Q4 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2006, the quarter ended December 31, 2006, 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.
Pittsburg, PA · Charter 24477
Q4 2006
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 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.58% | -0.13% | 0.92% | 0.45% | 1.19% | 1.39% | 1.24% | -1.64% | -209 bps | |
| Return on Equity | 14.50% | -0.79% | 5.10% | 2.49% | 6.23% | 7.61% | 6.41% | -9.07% | -1,157 bps | |
| Net Interest Margin | 5.12% | 3.07% | 3.89% | 3.59% | 5.68% | 3.68% | 4.52% | 4.18% | +58 bps | |
| Efficiency Ratio | 50.69% | 104.20% | 76.98% | 73.28% | 72.99% | 54.87% | 65.98% | 71.38% | -190 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.59% | 2.81% | -1.32% | 0.14% | -7.20% | -6.83% | -6.40% | -11.35% | -1,148 bps | |
| Loan Growth (YoY) | 7.22% | 10.06% | -2.97% | -0.31% | 2.68% | -0.26% | -4.17% | -4.32% | -401 bps | |
| Share Growth (YoY) | 3.81% | 2.31% | 1.17% | -0.20% | -9.01% | -9.44% | -8.59% | -12.44% | -1,224 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.06% | 4.50% | 4.14% | 4.63% | 2.84% | 3.84% | 4.80% | 8.28% | +365 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 | 1.21% | 0.93% | 0.50% | 0.85% | 0.53% | 0.58% | 0.73% | 4.07% | +322 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 17.77% | 16.77% | 17.99% | 17.90% | 19.15% | 18.21% | 19.41% | 18.11% | +21 bps | |
| Net Worth / Assets | 17.77% | 16.77% | 17.99% | 17.90% | 19.15% | 18.21% | 19.41% | 18.11% | +21 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 81.29% | 83.05% | 87.53% | 86.83% | 91.73% | 91.47% | 91.76% | 94.88% | +806 bps | |
| Liquid Assets / Assets | 25.20% | 31.10% | 25.31% | 28.27% | 25.20% | 0.00% | 0.00% | 0.00% | -2,827 bps | |