Pittsburgh, PA · Charter 62647
Q1 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2009, the quarter ended March 31, 2009, 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 62647
Q1 2009
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 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.66% | 0.48% | 0.58% | 0.73% | 0.63% | 0.54% | 0.28% | -5.58% | -632 bps | |
| Return on Equity | 4.78% | 3.58% | 4.06% | 5.16% | 4.35% | 3.59% | 2.00% | -43.81% | -4,897 bps | |
| Net Interest Margin | 4.26% | 4.16% | 4.22% | 4.70% | 4.60% | 4.62% | 4.28% | 3.78% | -92 bps | |
| Efficiency Ratio | 86.25% | 89.56% | 87.71% | 85.97% | 86.21% | 88.54% | 93.32% | 128.13% | +4,216 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.13% | -1.19% | -3.42% | -3.64% | -1.72% | -4.42% | 2.39% | 1.63% | +526 bps | |
| Loan Growth (YoY) | -5.34% | -5.57% | -3.15% | -1.40% | -1.47% | -3.57% | -10.75% | -12.78% | -1,138 bps | |
| Share Growth (YoY) | -5.47% | -1.62% | -4.59% | -4.94% | -2.61% | -6.17% | 2.50% | 3.16% | +810 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.90% | 0.73% | 0.72% | 0.70% | 0.00% | 0.00% | 0.00% | 0.00% | -70 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 | 1.41% | 1.27% | 1.36% | 1.34% | 1.23% | 1.19% | 1.32% | 1.54% | +20 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.82% | 13.45% | 14.26% | 14.23% | 14.55% | 15.04% | 14.21% | 12.75% | -148 bps | |
| Net Worth / Assets | 13.82% | 13.45% | 14.26% | 14.23% | 14.55% | 15.04% | 14.21% | 12.75% | -148 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 49.68% | 50.61% | 52.31% | 50.38% | 50.26% | 52.01% | 45.55% | 42.60% | -778 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |