Monroeville, PA · Cert 30237
FDIC
Q4 2011
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.36% | -4.47% | 0.55% | 0.40% | 0.48% | 0.49% | 0.37% | 0.17% | -23 bps | |
| Return on Equity | 3.96% | -53.50% | 7.11% | 5.15% | 6.08% | 6.24% | 4.63% | 2.14% | -301 bps | |
| Net Interest Margin | 2.09% | 2.13% | 2.04% | 2.08% | 2.10% | 2.04% | 1.90% | 1.93% | -15 bps | |
| Efficiency Ratio | 63.89% | 60.49% | 65.43% | 63.08% | 64.42% | 64.70% | 67.63% | 81.94% | +1,887 bps | |
| Non-Interest Burden | 1.23% | 1.15% | 1.19% | 1.18% | 1.21% | 1.20% | 1.16% | 1.56% | +38 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.55% | -3.40% | -4.36% | -6.64% | -5.15% | -2.09% | -1.42% | 1.32% | +796 bps | |
| Loan Growth (YoY) | -9.75% | -6.93% | -5.39% | -3.38% | -3.26% | -4.80% | -4.95% | -8.09% | -471 bps | |
| Deposit Growth (YoY) | 0.08% | -1.35% | -2.19% | -4.38% | -1.98% | -0.16% | 0.43% | 3.27% | +765 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 | 0.85% | 0.44% | 0.45% | 0.46% | 0.44% | 0.49% | 0.35% | 1.03% | +57 bps | |
| Allowance / Loans | 1.23% | 1.34% | 1.33% | 1.28% | 1.27% | 1.22% | 1.27% | 1.09% | -20 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 | 11.85% | 10.57% | 11.07% | 11.23% | 11.63% | 11.33% | 11.51% | 11.67% | +44 bps | |
| Equity / Assets | 9.04% | 7.65% | 7.69% | 7.88% | 7.90% | 7.90% | 7.90% | 7.81% | -7 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 69.12% | 70.19% | 69.40% | 70.58% | 68.21% | 66.93% | 65.69% | 62.82% | -776 bps | |
| Liquid Assets / Assets | 37.15% | 31.51% | 35.10% | 34.06% | 35.69% | 36.60% | 37.73% | 39.84% | +578 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |