East Liverpool, OH · Cert 26977
FDIC · 5 branches
Q3 2015
Market Position · Pittsburgh, PA · 2015 SOD (annual) · 0.0% share · #50 of 54 inst. · $0.0B of $115.3B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.75% | 0.54% | 0.86% | 0.76% | 0.67% | 0.64% | 0.68% | 0.73% | -3 bps | |
| Return on Equity | 7.84% | 5.91% | 9.18% | 7.91% | 6.95% | 6.55% | 7.15% | 7.54% | -37 bps | |
| Net Interest Margin | 3.21% | 3.24% | 3.20% | 3.22% | 3.26% | 3.22% | 3.08% | 3.22% | 0 bps | |
| Efficiency Ratio | 82.59% | 88.83% | 78.86% | 82.57% | 86.06% | 83.12% | 79.99% | 78.69% | -389 bps | |
| Non-Interest Burden | 2.45% | 2.76% | 2.23% | 2.50% | 2.62% | 2.50% | 2.25% | 2.32% | -17 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.18% | -9.56% | -12.52% | -4.09% | 5.08% | 3.13% | 8.88% | 1.06% | +515 bps | |
| Loan Growth (YoY) | 6.51% | 2.40% | 0.99% | -0.58% | -0.55% | 4.33% | -1.10% | 2.13% | +271 bps | |
| Deposit Growth (YoY) | 6.00% | 8.46% | 1.74% | 10.30% | 5.67% | 2.38% | 9.61% | 0.79% | -951 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.13% | 0.20% | 0.07% | 0.04% | 0.18% | 0.02% | 0.24% | 0.08% | +4 bps | |
| Allowance / Loans | 1.47% | 1.46% | 1.34% | 1.32% | 1.23% | 1.23% | 1.22% | 1.21% | -12 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | 9.56% | 9.26% | 9.56% | n/a | |
| Total Risk-Based Capital | 17.16% | 17.62% | 17.69% | 17.80% | 18.09% | 17.92% | 18.27% | 18.35% | +55 bps | |
| Equity / Assets | 9.30% | 8.92% | 9.84% | 9.42% | 9.91% | 9.59% | 9.50% | 10.00% | +58 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 62.24% | 53.43% | 59.72% | 55.46% | 58.58% | 54.45% | 53.88% | 56.19% | +74 bps | |
| Liquid Assets / Assets | 2.24% | 5.49% | 2.20% | 2.69% | 3.98% | 2.85% | 2.85% | 2.92% | +23 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |