Pittsburgh, PA · Cert 28135
FDIC · 2 branches
Q4 2015
Market Position · Pittsburgh, PA · 2015 SOD (annual) · 0.1% share · #34 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 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.04% | 1.01% | 1.01% | 0.82% | 0.68% | -36 bps | |
| Return on Equity | 7.16% | 7.16% | 7.11% | 5.77% | 4.73% | -243 bps | |
| Net Interest Margin | 3.85% | 3.88% | 3.85% | 3.86% | 3.95% | +10 bps | |
| Efficiency Ratio | 59.88% | 59.92% | 60.62% | 60.84% | 66.30% | +642 bps | |
| Non-Interest Burden | 2.27% | 2.28% | 2.30% | 2.33% | 2.59% | +32 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 9.01% | 7.30% | 2.11% | 2.06% | -2.35% | -1,136 bps | |
| Loan Growth (YoY) | 5.20% | 5.58% | 5.18% | 5.40% | 4.57% | -63 bps | |
| Deposit Growth (YoY) | 14.17% | 12.99% | 5.84% | 1.78% | -5.17% | -1,934 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.08% | 0.06% | +6 bps | |
| Allowance / Loans | 1.07% | 1.07% | 1.06% | 0.99% | 0.99% | -8 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | n/a | 14.01% | 14.28% | 14.37% | 14.75% | n/a | |
| Total Risk-Based Capital | 23.42% | 22.76% | 22.62% | 21.95% | 21.94% | -148 bps | |
| Equity / Assets | 14.36% | 13.87% | 14.21% | 14.30% | 14.84% | +48 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 99.52% | 100.30% | 102.85% | 103.93% | 109.73% | +1,022 bps | |
| Liquid Assets / Assets | 9.09% | 8.30% | 6.51% | 6.03% | 4.31% | -479 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |