Pittsburgh, PA · Cert 7948
FDIC
Q2 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2006, the quarter ended June 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 7948
FDIC
Q2 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 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.31% | 0.47% | 1.57% | 1.46% | 1.38% | 1.34% | 1.07% | 1.49% | +3 bps | |
| Return on Equity | 5.87% | 8.83% | 27.63% | 26.33% | 24.91% | 24.01% | 19.23% | 26.94% | +61 bps | |
| Net Interest Margin | 1.51% | 1.63% | 3.07% | 2.84% | 2.67% | 2.66% | 2.66% | 2.58% | -26 bps | |
| Efficiency Ratio | 76.96% | 75.07% | 58.27% | 57.26% | 56.22% | 53.30% | 56.52% | 43.16% | -1,409 bps | |
| Non-Interest Burden | 0.85% | 0.90% | 1.33% | 1.15% | 1.03% | 0.89% | 1.01% | 0.40% | -75 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.31% | 0.78% | -1.36% | 10.07% | 2.44% | 6.39% | 5.99% | -4.18% | -1,425 bps | |
| Loan Growth (YoY) | -6.66% | 99.27% | 88.37% | 227% | 195.52% | -2.45% | -4.33% | -26.73% | -25,351 bps | |
| Deposit Growth (YoY) | 0.83% | 0.54% | -0.88% | 0.59% | 2.42% | 5.92% | 9.01% | 9.42% | +883 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.59% | 0.18% | 0.09% | 0.05% | 0.07% | 0.13% | 0.22% | 0.28% | +22 bps | |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance Coverage of NPLs | n/a | n/a | n/a | 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 | n/a | n/a | n/a |
| Total Risk-Based Capital | 14.36% | 11.34% | 11.30% | 11.62% | 11.98% | 12.22% | 12.17% | 12.18% | +55 bps | |
| Equity / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 38.21% | 107.03% | 101.78% | 120.60% | 110.26% | 98.57% | 89.33% | 80.75% | -3,984 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |