Tied to our vision, anchored by our values, building on our strengths
Pearls Report
P E A R L S Ratios
Dec-12
100%
100%
100%
Provision for loan losses /Loans del<12 months
E
Dec-13
Provision for Loan Losses /Del>12 Months
P
Goal
35%
36%
36%
Protection
Effective Financial Structure
Net Loans/Total Assets
85%
82%
70-80%
83%
81%
Institutional Capital /Total Assets
A
70-80%
Savings deposits/Total Assets
Min 10%
11%
11%
Asset Quality
Balance of Del loans >90 /Gross Loan Portfolio
R
<=5%
8%
8%
Non-Earning Assets/Total Assets
<=5%
5%
5%
Rates of Return and Cost ( Annualized)
Market Rate 3%
5%
5%
Fin Costs:Savings deposit/Average sav deposits Market Rate 3%
5%
5%
Market Rate 8%
7%
7%
3-10%
3%
3%
Liquid Assets-ST Payables/Total Deposits
Min 15%
11%
12%
Liquidity Reserves/Total Savings Deposits
10%
9%
11%
Non earning liquid assets/Total Assets
<1%
3%
4%
> inflation
10%
11%
5%
14%
7%
Fin Investment Income/Avg. fin investments
Fin Costs: External Credit/Average ext. credit
Operating Expenses/Average Total Assets
L
S
Liquidity
Signs of Growth (Annualized Growth Rate)
Total Assets
Loans to Members
Savings Deposits
5%
12%
12%
Institutional Capital
5%
13%
17%
Min 15%
8%
7%
Membership
51