Murrysville, PA · Cert 27757
FDIC · 18 branches
Q2 2022
Market Position · Pittsburgh, PA · 2022 SOD (annual) · 0.3% share · #18 of 52 inst. · $0.7B of $224.7B
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 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.07% | 0.35% | 0.63% | 0.49% | 0.64% | +56 bps | |
| Return on Equity | 0.53% | 2.51% | 4.41% | 3.16% | 4.15% | +363 bps | |
| Net Interest Margin | 0.40% | 1.24% | 1.67% | 2.63% | 2.84% | +245 bps | |
| Efficiency Ratio | 79.11% | 66.07% | 62.83% | 75.92% | 71.40% | -771 bps | |
| Non-Interest Burden | 0.29% | 0.73% | 0.93% | 1.88% | 1.89% | +160 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.19% | -2.26% | -1.44% | -4.44% | -8.12% | -1,031 bps | |
| Loan Growth (YoY) | -6.96% | -9.59% | -12.19% | -11.86% | -10.39% | -343 bps | |
| Deposit Growth (YoY) | 7.48% | 0.07% | 0.05% | -4.50% | -6.99% | -1,447 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.54% | 0.80% | 0.80% | 0.79% | 0.65% | +12 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.01% | +1 bps | |
| Allowance / Loans | 0.00% | 0.02% | 0.05% | 0.08% | 0.11% | +11 bps | |
| Allowance Coverage of NPLs | 0.0x | 0.0x | 0.1x | 0.1x | 0.2x | +0.2x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.47% | 12.17% | 12.68% | 12.94% | 13.29% | +182 bps | |
| Total Risk-Based Capital | 17.94% | 19.08% | 20.29% | 20.89% | 21.56% | +362 bps | |
| Equity / Assets | 14.30% | 15.05% | 15.52% | 15.19% | 15.24% | +93 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 81.95% | 84.08% | 80.49% | 79.73% | 78.97% | -299 bps | |
| Liquid Assets / Assets | 8.92% | 8.69% | 12.34% | 11.90% | 10.59% | +167 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |