In the following video, Motley Fool financial analyst Matt Koppenheffer takes a quick look at PNC Financial (PNC 1.79%) and its latest earnings report. He tells us that the dust hasn't settled yet on all of the moving parts with this bank, which makes it difficult to get a clear picture. There is upside for the bank -- it's growing its loans, and its fee business looks better than last year. But it has been affected by the same narrowing net interest margin trend affecting the business at large this quarter.