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Letter portraitLegal landscapeQuarterYTD

Pennsylvania Prince Hall Family

Philadelphia, PA · Charter 23869

Q4 1997

$101KAssets
$74KLoans
$117KShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of -21.61%, down 2,365 bps year over year.
  • Asset quality: problem loans at 21.32% of loans (+1,189 bps YoY).
  • Funding: loans stand at 63.27% of shares as of Q4 1997.

Return on Assets (quarter, annualized)

-21.61%-2,365 bps YoY

Net Interest Margin (quarter, annualized)

n/a
n/a

Efficiency Ratio (quarter, annualized)

n/a
n/a

Net Worth / Assets

n/a
n/a

Discrete quarter, annualized.

MetricQ2 1994Q4 1994Q2 1995Q4 1995Q2 1996Q4 1996Q2 1997Q4 1997YoY ΔTrend
Earnings
Return on Assets0.76%1.52%0.93%2.04%0.54%0.69%2.06%-21.61%-2,365 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)n/an/an/an/a13.78%13.12%14.65%-2.52%n/a
Loan Growth (YoY)n/an/an/an/a32.04%59.83%156.08%229%n/a
Share Growth (YoY)n/an/an/an/a14.63%14.08%11.95%18.93%n/a
Asset Quality
Delinquent Loans / Loans7.55%4.10%15.37%9.43%10.71%15.20%28.54%21.32%+1,189 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans6.28%3.96%5.51%4.13%4.40%3.46%2.93%17.15%+1,302 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares17.09%24.54%16.40%22.86%19.68%34.38%37.52%63.27%+4,041 bps
Liquid Assets / Assets56.23%56.91%49.70%0.00%49.76%50.33%51.31%20.91%+2,091 bps