Pittsburgh, PA · Cert 9891
FDIC
Q2 2008
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.31% | 1.45% | 1.13% | 1.17% | 1.25% | 1.27% | 0.78% | 0.41% | -76 bps | |
| Return on Equity | 11.30% | 12.27% | 9.25% | 9.45% | 10.05% | 9.97% | 6.20% | 3.23% | -621 bps | |
| Net Interest Margin | 3.79% | 3.68% | 3.50% | 3.55% | 3.59% | 3.41% | 3.41% | 3.24% | -30 bps | |
| Efficiency Ratio | 55.19% | 52.59% | 58.47% | 57.40% | 55.52% | 58.17% | 68.95% | 83.49% | +2,609 bps | |
| Non-Interest Burden | 1.91% | 1.73% | 1.88% | 1.85% | 1.80% | 1.82% | 2.24% | 2.66% | +81 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.29% | 2.90% | 0.32% | 0.67% | -1.35% | 0.23% | 5.34% | 2.88% | +221 bps | |
| Loan Growth (YoY) | 2.21% | 0.82% | -2.18% | -0.86% | -2.56% | -0.74% | 2.55% | 1.36% | +221 bps | |
| Deposit Growth (YoY) | 3.76% | 5.67% | -1.08% | -2.81% | -4.62% | -0.70% | 5.10% | 4.77% | +758 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 | -0.02% | 0.60% | 0.15% | 0.00% | 0.10% | -0.40% | 0.73% | 0.12% | +11 bps | |
| Allowance / Loans | 1.10% | 1.06% | 1.07% | 1.08% | 1.07% | 1.11% | 0.95% | 0.95% | -14 bps | |
| 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 | 16.86% | 17.72% | 18.09% | 18.09% | 18.12% | 18.63% | 18.07% | 17.99% | -10 bps | |
| Equity / Assets | 11.70% | 12.02% | 12.31% | 12.39% | 12.57% | 12.83% | 12.47% | 12.64% | +24 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 67.88% | 66.07% | 65.40% | 69.35% | 69.35% | 66.05% | 63.81% | 67.10% | -226 bps | |
| Liquid Assets / Assets | 24.33% | 25.72% | 26.37% | 26.86% | 26.82% | 26.93% | 22.29% | 19.27% | -759 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |