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| Discerning the creditworthiness of banks has become difficult for public entities as subprime related assets, write-downs, tightening credit standards, overconcentrated balance sheets and increased regulatory scrutiny have all been contributing factors to the strength or weakness of banks across the country. |
| As such, we believe it is more important than ever to perform quality analysis of every bank in PMA's vast institutional network.
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| Detailed credit analysis is a fundamental component of PMA's investment process. PMA's Credit Risk Management Team utilizes ratio and fundamental analysis on every bank in PMA's network on a quarterly basis, and continuously monitors the regional and national economic environment. |
| PMA’s Credit Risk Management Team employs a proprietary five-step quarterly process for analyzing each bank. |
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- Utilizes ratio and fundamental analysis on every bank in PMA's network on a quarterly basis
- Continuously monitors the regional and national economic environment
- Proprietary five-step credit analysis
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