Pittsburgh, PA · Charter 3077
Q1 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2015, the quarter ended March 31, 2015, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Pittsburgh, PA · Charter 3077
Q1 2015
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.04% | -0.89% | -1.02% | -0.77% | -0.93% | -0.91% | -0.92% | -1.07% | -30 bps | |
| Return on Equity | -14.39% | -12.55% | -14.54% | -11.89% | -14.66% | -14.61% | -14.35% | -17.18% | -529 bps | |
| Net Interest Margin | 1.27% | 1.34% | 1.35% | 1.44% | 1.25% | 1.27% | 1.29% | 1.33% | -11 bps | |
| Efficiency Ratio | 165.10% | 155.77% | 161.38% | 141.09% | 164.72% | 164.70% | 165.73% | 179.26% | +3,817 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.85% | 1.84% | 1.78% | 5.14% | -0.21% | -1.64% | -3.38% | -9.61% | -1,476 bps | |
| Loan Growth (YoY) | -20.62% | -18.05% | -23.91% | -29.22% | -32.49% | -33.33% | -30.19% | -19.46% | +976 bps | |
| Share Growth (YoY) | 2.94% | 2.75% | 3.04% | 6.53% | 1.13% | -0.11% | -2.10% | -8.82% | -1,535 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.08% | 1.18% | 1.69% | 0.91% | 0.74% | 0.44% | 9.83% | 9.97% | +906 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.76% | 0.85% | 1.48% | 1.35% | 1.62% | 1.62% | 1.72% | 2.43% | +108 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.24% | 7.10% | 7.01% | 6.48% | 6.33% | 6.22% | 6.39% | 6.24% | -24 bps | |
| Net Worth / Assets | 7.24% | 7.10% | 7.01% | 6.48% | 6.33% | 6.22% | 6.39% | 6.24% | -24 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 15.28% | 15.47% | 14.33% | 11.27% | 10.20% | 10.32% | 10.22% | 9.95% | -131 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |