Allison Park, PA · Cert 27956
FDIC
Q2 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2006, the quarter ended June 30, 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.
Allison Park, PA · Cert 27956
FDIC
Q2 2006
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 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.63% | 0.64% | 0.71% | 0.72% | 0.74% | 0.71% | 0.63% | 0.45% | -28 bps | |
| Return on Equity | 7.10% | 7.19% | 8.16% | 8.27% | 8.44% | 8.18% | 7.26% | 5.27% | -300 bps | |
| Net Interest Margin | 2.33% | 2.35% | 2.52% | 2.46% | 2.44% | 2.44% | 2.34% | 2.28% | -18 bps | |
| Efficiency Ratio | 64.40% | 64.04% | 61.11% | 63.53% | 63.50% | 63.60% | 64.35% | 74.43% | +1,090 bps | |
| Non-Interest Burden | 1.46% | 1.46% | 1.48% | 1.51% | 1.49% | 1.49% | 1.46% | 1.69% | +18 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.21% | 1.91% | 2.16% | 3.49% | 0.79% | 0.32% | 2.13% | 3.60% | +11 bps | |
| Loan Growth (YoY) | 17.14% | 23.02% | 19.58% | 20.53% | 14.04% | 7.60% | 5.66% | 2.87% | -1,766 bps | |
| Deposit Growth (YoY) | 0.20% | 2.74% | 2.50% | 3.59% | 1.53% | 0.30% | 2.33% | 4.55% | +96 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% | -0.01% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.05% | 0.99% | 0.97% | 0.94% | 0.93% | 0.92% | 0.92% | 0.91% | -2 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 | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 16.46% | 16.24% | 16.08% | 16.48% | 16.17% | 16.21% | 16.01% | 15.64% | -84 bps | |
| Equity / Assets | 8.78% | 8.76% | 8.65% | 8.84% | 8.74% | 8.71% | 8.55% | 8.23% | -61 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 74.67% | 78.06% | 80.23% | 82.45% | 83.87% | 83.75% | 82.84% | 81.13% | -132 bps | |
| Liquid Assets / Assets | 11.52% | 8.82% | 7.75% | 6.65% | 6.01% | 7.41% | 8.16% | 9.37% | +272 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |