Monroeville, PA · Cert 30237
FDIC
Q4 2011
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 | 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% | -2.03% | -1.19% | -0.80% | 0.48% | 0.49% | 0.45% | 0.38% | +118 bps | |
| Return on Equity | 3.96% | -23.63% | -14.19% | -9.68% | 6.08% | 6.16% | 5.66% | 4.78% | +1,446 bps | |
| Net Interest Margin | 2.09% | 2.11% | 2.11% | 2.14% | 2.10% | 2.06% | 2.01% | 1.99% | -14 bps | |
| Efficiency Ratio | 63.89% | 62.17% | 63.24% | 63.20% | 64.42% | 64.56% | 65.55% | 69.35% | +615 bps | |
| Non-Interest Burden | 1.23% | 1.19% | 1.20% | 1.22% | 1.21% | 1.20% | 1.19% | 1.28% | +7 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% | 0.64% | 0.59% | 0.56% | 0.44% | 0.47% | 0.43% | 0.59% | +4 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 |