West Bridgewater, PA · Cert 29967
FDIC · 1 branch
Q1 2019
Market Position · Pittsburgh, PA · 2018 SOD (annual) · 0.0% share · #41 of 48 inst. · $0.0B of $136.3B
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 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.27% | 0.12% | 0.28% | 0.53% | 0.64% | 0.50% | 0.47% | -1.58% | -211 bps | |
| Return on Equity | 1.16% | 0.49% | 1.17% | 2.14% | 2.58% | 2.03% | 1.89% | -6.17% | -832 bps | |
| Net Interest Margin | 3.77% | 3.81% | 3.85% | 3.89% | 3.85% | 3.89% | 3.95% | 3.90% | 0 bps | |
| Efficiency Ratio | 87.38% | 88.45% | 81.60% | 80.12% | 77.67% | 81.45% | 82.57% | 120.32% | +4,019 bps | |
| Non-Interest Burden | 3.29% | 3.35% | 3.06% | 3.10% | 2.98% | 3.15% | 3.25% | 4.71% | +161 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.15% | -3.15% | -5.06% | -3.95% | -2.21% | -1.87% | -0.60% | -5.23% | -129 bps | |
| Loan Growth (YoY) | -4.06% | -4.83% | -0.37% | 0.21% | 1.46% | -0.09% | -0.16% | -2.01% | -221 bps | |
| Deposit Growth (YoY) | 11.04% | 1.22% | -9.40% | -5.68% | -3.29% | -3.30% | -6.19% | -15.85% | -1,017 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 3.16% | 3.01% | 2.78% | 2.72% | 1.86% | 1.87% | 1.57% | 0.90% | -182 bps | |
| Net Charge-Offs / Loans | 1.50% | 1.00% | 0.93% | 0.00% | -0.07% | -0.05% | -0.04% | 1.32% | +132 bps | |
| Allowance / Loans | 0.50% | 0.69% | 0.51% | 0.53% | 0.55% | 0.56% | 0.56% | 0.60% | +7 bps | |
| Allowance Coverage of NPLs | 0.2x | 0.2x | 0.2x | 0.2x | 0.3x | 0.3x | 0.4x | 0.7x | +0.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 23.54% | 24.03% | 24.75% | 24.87% | 24.78% | 25.13% | 25.77% | 25.67% | +80 bps | |
| Total Risk-Based Capital | 44.28% | 44.59% | 44.19% | 44.39% | 44.45% | 44.79% | 45.93% | 46.96% | +258 bps | |
| Equity / Assets | 23.61% | 24.50% | 24.70% | 24.61% | 24.60% | 25.55% | 25.33% | 25.92% | +131 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 118.22% | 123.97% | 127.98% | 123.18% | 124.04% | 128.09% | 136.20% | 143.44% | +2,026 bps | |
| Liquid Assets / Assets | 6.29% | 3.37% | 3.27% | 4.67% | 3.90% | 2.35% | 2.94% | 0.70% | -397 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |