Pittsburgh, PA · Cert 28038
FDIC
Q3 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2012, the quarter ended September 30, 2012, 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.
Pittsburgh, PA · Cert 28038
FDIC
Q3 2012
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 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.07% | 0.44% | 0.34% | 0.35% | 0.34% | 0.33% | 0.24% | 0.15% | -20 bps | |
| Return on Equity | 0.90% | 5.73% | 4.43% | 4.45% | 4.31% | 4.01% | 2.86% | 1.78% | -267 bps | |
| Net Interest Margin | 2.22% | 2.22% | 2.24% | 2.30% | 2.31% | 2.19% | 2.17% | 2.17% | -13 bps | |
| Efficiency Ratio | 77.51% | 81.52% | 81.91% | 81.22% | 80.44% | 83.43% | 83.75% | 87.04% | +582 bps | |
| Non-Interest Burden | 1.60% | 1.71% | 1.75% | 1.77% | 1.75% | 1.72% | 1.72% | 1.80% | +3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.65% | -3.24% | -5.67% | -4.19% | -4.74% | -2.72% | -0.24% | -2.94% | +125 bps | |
| Loan Growth (YoY) | -9.79% | -12.92% | -10.50% | -7.08% | -3.14% | 0.14% | -2.06% | -3.79% | +329 bps | |
| Deposit Growth (YoY) | -1.27% | -0.26% | 0.16% | 0.50% | 2.54% | 5.81% | 4.91% | 3.21% | +271 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 | 0.43% | 0.11% | 0.51% | 0.41% | 0.69% | 1.42% | 0.82% | 0.58% | +16 bps | |
| Allowance / Loans | 1.62% | 1.79% | 1.62% | 1.63% | 1.33% | 1.12% | 1.25% | 1.32% | -30 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 | 12.77% | 13.89% | 13.66% | 13.49% | 13.61% | 13.79% | 13.76% | 13.89% | +40 bps | |
| Equity / Assets | 7.52% | 7.78% | 8.08% | 8.12% | 8.33% | 8.37% | 8.49% | 8.79% | +66 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 81.90% | 76.61% | 77.14% | 78.58% | 77.37% | 72.51% | 72.02% | 73.24% | -533 bps | |
| Liquid Assets / Assets | 16.06% | 18.02% | 14.54% | 14.73% | 15.08% | 16.52% | 15.45% | 15.45% | +72 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |