Pittsburgh, PA · Charter 65213
Q4 2003
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.85% | -1.25% | -0.70% | -5.10% | -5.99% | -3.92% | -3.23% | -3.31% | +179 bps | |
| Return on Equity | 13.60% | -11.81% | -9.55% | -85.12% | -134.80% | -94.01% | -94.59% | -119.58% | -3,447 bps | |
| Net Interest Margin | 6.25% | 6.87% | 7.06% | 6.39% | 4.54% | 4.64% | 4.23% | 4.15% | -224 bps | |
| Efficiency Ratio | 48.04% | 63.53% | 75.63% | 103.32% | 132.32% | 120.20% | 110.70% | 117.41% | +1,409 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.60% | -0.25% | 2.98% | -16.74% | -11.79% | -10.12% | -8.85% | -2.46% | +1,428 bps | |
| Loan Growth (YoY) | -3.18% | -16.81% | -21.27% | -29.05% | -31.07% | -20.06% | -20.60% | -15.54% | +1,351 bps | |
| Share Growth (YoY) | 9.14% | 11.24% | 10.70% | -10.85% | -1.35% | -11.68% | -5.25% | 1.26% | +1,210 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 7.02% | 6.62% | 13.20% | 10.69% | 11.62% | 8.90% | 7.22% | 3.72% | -698 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 | 3.35% | 6.87% | 5.59% | 7.19% | 8.95% | 7.32% | 6.54% | 4.80% | -239 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.60% | 10.57% | 7.28% | 5.99% | 4.44% | 4.16% | 3.42% | 2.77% | -323 bps | |
| Net Worth / Assets | 13.60% | 10.57% | 7.28% | 5.99% | 4.44% | 4.16% | 3.42% | 2.77% | -323 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 79.84% | 66.88% | 63.41% | 64.63% | 55.79% | 60.54% | 53.14% | 53.91% | -1,072 bps | |
| Liquid Assets / Assets | 27.67% | 35.20% | 37.30% | 37.99% | 47.18% | 42.45% | 48.04% | 45.51% | +752 bps | |