Pittsburgh, PA · Cert 35353
FDIC
Q3 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2006, the quarter ended September 30, 2006, 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 · Cert 35353
FDIC
Q3 2006
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 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.15% | 1.13% | 0.36% | 0.32% | 0.14% | -100 bps | |
| Return on Equity | 15.81% | 15.32% | 4.66% | 4.10% | 1.90% | -1,391 bps | |
| Net Interest Margin | 3.21% | 2.90% | 2.38% | 2.61% | 2.54% | -67 bps | |
| Efficiency Ratio | 52.27% | 60.23% | 84.62% | 87.19% | 91.53% | +3,925 bps | |
| Non-Interest Burden | 1.62% | 1.69% | 1.99% | 2.25% | 2.31% | +69 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.53% | 8.93% | -0.13% | 3.52% | 10.89% | +736 bps | |
| Loan Growth (YoY) | 17.25% | 12.01% | 2.89% | -0.67% | -0.45% | -1,769 bps | |
| Deposit Growth (YoY) | 2.11% | 8.59% | -1.58% | 2.55% | 11.45% | +934 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 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 bps | |
| Allowance / Loans | 0.52% | 0.53% | 0.54% | 0.56% | 0.60% | +8 bps | |
| Allowance Coverage of NPLs | 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 |
| Total Risk-Based Capital | 14.44% | 14.38% | 15.26% | 16.11% | 15.43% | +99 bps | |
| Equity / Assets | 7.54% | 7.68% | 7.92% | 7.79% | 7.14% | -40 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 99.79% | 98.79% | 100.91% | 98.12% | 89.13% | -1,065 bps | |
| Liquid Assets / Assets | 1.53% | 1.50% | 1.57% | 2.22% | 1.78% | +26 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |