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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.04% | 1.06% | 1.08% | 0.97% | 1.01% | 1.00% | 0.45% | 0.24% | -73 bps | |
| Return on Equity | 7.07% | 7.26% | 7.49% | 6.79% | 7.16% | 7.10% | 3.13% | 1.66% | -512 bps | |
| Net Interest Margin | 4.05% | 4.01% | 3.99% | 3.91% | 3.88% | 3.83% | 3.90% | 3.99% | +8 bps | |
| Efficiency Ratio | 60.99% | 58.92% | 59.46% | 60.17% | 59.92% | 61.33% | 61.28% | 82.13% | +2,196 bps | |
| Non-Interest Burden | 2.44% | 2.32% | 2.34% | 2.34% | 2.28% | 2.33% | 2.39% | 3.25% | +92 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.03% | 7.72% | 8.58% | 9.01% | 7.30% | 2.11% | 2.06% | -2.35% | -1,136 bps | |
| Loan Growth (YoY) | 5.44% | 4.47% | 5.46% | 5.20% | 5.58% | 5.18% | 5.40% | 4.57% | -63 bps | |
| Deposit Growth (YoY) | 0.46% | 4.22% | 8.48% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.25% | 0.00% | 0 bps | |
| Allowance / Loans | 1.05% | 1.05% | 1.05% | 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 | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | 14.01% | 14.28% | 14.37% | 14.75% | n/a | |
| Total Risk-Based Capital | 24.30% | 24.24% | 23.66% | 23.42% | 22.76% | 22.62% | 21.95% | 21.94% | -148 bps | |
| Equity / Assets | 14.77% | 14.51% | 14.25% | 14.36% | 13.87% | 14.21% | 14.30% | 14.84% | +48 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 107.34% | 103.49% | 100.36% | 99.52% | 100.30% | 102.85% | 103.93% | 109.73% | +1,022 bps | |
| Liquid Assets / Assets | 6.19% | 9.13% | 7.60% | 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 | n/a | n/a | n/a |