Pittsburgh, PA · Cert 27033
FDIC · 1 branch
Q1 2016
Market Position · Pittsburgh, PA · 2015 SOD (annual) · 0.1% share · #41 of 54 inst. · $0.1B of $115.3B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.68% | 0.74% | 0.69% | 0.90% | 0.81% | 0.82% | 0.76% | -2.85% | -375 bps | |
| Return on Equity | 8.51% | 9.23% | 8.51% | 10.85% | 9.74% | 9.73% | 8.90% | -30.68% | -4,153 bps | |
| Net Interest Margin | 3.20% | 3.21% | 3.21% | 3.30% | 3.25% | 3.28% | 3.28% | 3.14% | -16 bps | |
| Efficiency Ratio | 63.79% | 62.39% | 66.01% | 62.06% | 64.64% | 64.89% | 68.17% | 204% | +14,165 bps | |
| Non-Interest Burden | 1.99% | 1.92% | 2.06% | 1.86% | 1.93% | 1.98% | 2.10% | 6.81% | +495 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.62% | 1.50% | 5.54% | 5.30% | 5.06% | 3.69% | -0.27% | -9.92% | -1,522 bps | |
| Loan Growth (YoY) | 9.09% | 6.13% | 8.31% | 6.79% | 2.74% | 3.38% | 0.36% | 0.02% | -678 bps | |
| Deposit Growth (YoY) | 3.77% | -0.39% | 4.19% | 3.93% | 3.95% | 2.32% | -2.00% | -3.87% | -780 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 | 0.00% | 0.00% | 0.05% | -0.03% | 0.00% | 0.00% | 0.07% | 0.00% | +3 bps | |
| Allowance / Loans | 0.63% | 0.67% | 0.61% | 0.65% | 0.67% | 0.65% | 0.56% | 0.57% | -8 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 | 8.96% | 9.17% | 9.33% | 9.40% | 8.91% | -5 bps | |
| Total Risk-Based Capital | 16.77% | 17.14% | 16.64% | 17.83% | 17.39% | 17.53% | 17.65% | 17.93% | +10 bps | |
| Equity / Assets | 8.11% | 8.32% | 8.14% | 8.46% | 8.44% | 8.72% | 8.86% | 9.77% | +131 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 85.88% | 87.38% | 86.83% | 86.47% | 84.87% | 88.29% | 88.91% | 89.96% | +349 bps | |
| Liquid Assets / Assets | 12.04% | 11.13% | 12.26% | 11.67% | 13.68% | 12.11% | 12.12% | 15.77% | +411 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |