FINANCIAL HIGHLIGHTS

As of December 2008 (Audited)

As of December 2009 (Audited)

As of December 2010 (Unaudited)

Total Resources

P 6,333.15

       P 5,583.39

P 5,316.68

Total Deposits

P 5,346.75

P 4,629.49

P 4,555.93

Total Loan Portfolio

P 2,093.42

P 1,999.83

P 2,098.58

Total Investment Portfolio

P 3,423.34

P 2,779.55

P 1,747.64

Net Income

P 18.43

P 24.59

P 14.58

 

PPSB Ranking in the Thrift Bank Industry

In terms of:

PPSB Ranking (As of December 2010)

Assets

19th 

Capital

30th

Loans Portfolio

19th 

Deposits

15th

Investments

11th

Return on Equity

31st

CAMELS RATING

  PPSB As of December 2010 Thrift Bank Industry As of March 2010
Capital Adequacy
Capital Adequacy Ratio (CAR) 16.95% 12.15% 
Total Capital Accounts to Total Assets 8.42% 11.87%
Asset Quality  **
Non-performing Loans (NPL) Ratio (inclusive of IBL) 12.13%
7.85%
Non-performing Loans (NPL) Ratio (exclusive of IBL) 14.45%
8.00%
NPL Coverage Ratio 2/ 39.91% 50.43%
Non-performing Assets(NPA) to Gross Assets 9.04%
9.11%
NPA Coverage Ratio 3/ 23.04% 30.05% 
Distressed Assets Ratio 4/ 17.88% 14.89% 
Profitability
Cost to Income Ratio 97.52% 76.23%
Return on Assets (ROA) 0.26% 0.63%
Return on Equity (ROE) 3.32% 5.49%
Liquidity
Cash and Due from Banks to Deposits 13.34% 14.75%
Liquid Assets to Deposits 61.40% 34.99%
Loans, gross to Deposits 49.24% 76.35%

 


copyright 2002 by Postal Savings Bank, Inc.