Pittsburgh, PA · Charter 4108
Q2 2014
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 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.74% | -0.62% | -0.40% | -0.47% | -0.53% | -0.57% | -0.68% | -2.23% | -176 bps | |
| Return on Equity | -9.33% | -7.74% | -5.26% | -6.27% | -6.96% | -7.40% | -9.06% | -32.95% | -2,667 bps | |
| Net Interest Margin | 2.09% | 2.14% | 2.03% | 1.97% | 2.00% | 2.03% | 1.95% | 1.91% | -5 bps | |
| Efficiency Ratio | 116.73% | 114.39% | 116.25% | 119.52% | 121.10% | 119.34% | 127.26% | 189.30% | +6,978 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.24% | 1.51% | 2.35% | 2.21% | -1.89% | -2.73% | -6.16% | -8.03% | -1,025 bps | |
| Loan Growth (YoY) | 0.19% | -4.61% | -3.32% | 3.20% | -6.07% | -0.78% | -0.88% | -8.92% | -1,212 bps | |
| Share Growth (YoY) | 0.80% | 2.52% | 2.94% | 2.93% | -1.54% | -2.32% | -6.10% | -7.58% | -1,051 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.35% | 0.00% | 1.61% | 0.15% | 1.53% | 1.21% | 1.19% | 0.34% | +19 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 | 0.96% | 0.70% | 0.72% | 0.45% | 0.38% | 0.95% | 0.98% | 0.00% | -45 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.89% | 7.98% | 7.63% | 7.57% | 7.59% | 7.64% | 7.50% | 6.78% | -78 bps | |
| Net Worth / Assets | 7.89% | 7.98% | 7.63% | 7.57% | 7.59% | 7.64% | 7.50% | 6.78% | -78 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 13.99% | 13.47% | 12.56% | 13.62% | 13.34% | 13.68% | 13.26% | 13.42% | -20 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |