Pittsburgh, PA · Charter 5491
Q4 2001
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 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.07% | 2.65% | 2.21% | 0.34% | 0.64% | -1.69% | 0.09% | -4.39% | -474 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | -6.55% | 0.36% | -13.62% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | 5.02% | 5.16% | 5.62% | 4.85% | 5.93% | +91 bps | |
| Efficiency Ratio | n/a | n/a | n/a | 93.24% | 87.79% | 80.38% | 98.20% | 104.83% | +1,159 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -17.53% | -15.68% | -7.45% | 1.93% | -8.87% | -5.84% | -12.75% | -31.09% | -3,302 bps | |
| Loan Growth (YoY) | -17.53% | -6.55% | -24.05% | 2.05% | -21.97% | -2.66% | -5.93% | -32.52% | -3,457 bps | |
| Share Growth (YoY) | -22.51% | -21.43% | -11.11% | 1.50% | -12.99% | -6.08% | -14.60% | -36.10% | -3,761 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.63% | 0.00% | 2.64% | 4.21% | 4.57% | 5.35% | 3.14% | +50 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 | 1.23% | 1.38% | 0.38% | 0.43% | 0.51% | 3.10% | 3.77% | 6.06% | +563 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | 25.83% | 24.68% | 32.26% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | 25.83% | 24.68% | 32.26% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 72.08% | 76.57% | 55.45% | 73.06% | 64.64% | 79.36% | 61.08% | 77.15% | +410 bps | |
| Liquid Assets / Assets | 23.76% | 42.26% | 55.85% | 3.54% | 3.51% | 41.43% | 54.06% | 5.14% | +160 bps | |