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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.86% | 0.70% | 0.78% | -0.62% | 0.91% | 1.49% | 0.49% | 0.79% | +141 bps | |
| Return on Equity | 6.43% | 5.15% | 5.75% | -4.50% | 6.23% | 9.77% | 3.16% | 5.20% | +969 bps | |
| Net Interest Margin | 2.76% | 2.80% | 2.83% | -1.97% | 2.91% | 2.91% | 2.63% | 3.03% | +499 bps | |
| Efficiency Ratio | 64.54% | 67.02% | 65.08% | 79.11% | 62.50% | 58.46% | 75.92% | 67.35% | -1,175 bps | |
| Non-Interest Burden | 1.52% | 1.68% | 1.68% | -1.05% | 1.61% | 1.50% | 1.88% | 1.88% | +293 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.62% | 6.90% | 7.32% | 2.19% | -2.26% | -1.44% | -4.44% | -8.12% | -1,031 bps | |
| Loan Growth (YoY) | 3.30% | 3.43% | 0.67% | -6.96% | -9.59% | -12.19% | -11.86% | -10.39% | -343 bps | |
| Deposit Growth (YoY) | 9.41% | 9.89% | 14.12% | 7.48% | 0.07% | 0.05% | -4.50% | -6.99% | -1,447 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.50% | 0.67% | 0.64% | 0.54% | 0.80% | 0.80% | 0.79% | 0.65% | +12 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.01% | -0.01% | 0.00% | 0.01% | 0.00% | 0.02% | +2 bps | |
| Allowance / Loans | 0.98% | 1.06% | 1.11% | 0.00% | 0.02% | 0.05% | 0.08% | 0.11% | +11 bps | |
| Allowance Coverage of NPLs | 2.0x | 1.6x | 1.7x | 0.0x | 0.0x | 0.1x | 0.1x | 0.2x | +0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.03% | 11.18% | 11.35% | 11.47% | 12.17% | 12.68% | 12.94% | 13.29% | +182 bps | |
| Total Risk-Based Capital | 17.88% | 18.20% | 18.57% | 17.94% | 19.08% | 20.29% | 20.89% | 21.56% | +362 bps | |
| Equity / Assets | 13.37% | 13.73% | 13.43% | 14.30% | 15.05% | 15.52% | 15.19% | 15.24% | +93 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 93.07% | 91.70% | 86.39% | 81.95% | 84.08% | 80.49% | 79.73% | 78.97% | -299 bps | |
| Liquid Assets / Assets | 5.31% | 3.90% | 7.74% | 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 | n/a | n/a | n/a |