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Profile - USABancShares.com Inc. (NasdaqNM:USAB)
As of 31-Aug-2001
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More Info: Quote | Chart | News | Profile | SEC | Msgs | Insider
Location
One Lincoln Plaza, 1535 Locust Street
Philadelphia, PA 19102
Phone: (215) 569-4200
Fax: (215) 569-4214
Employees (last reported count): 56
Financial Links
 ·Top Institutional Holders
 ·Top Mutual Fund Holders
 ·Historical Quote Data
 ·Raw SEC Filings at sec.gov
Competitors:
 ·Sector: Financial
 ·Industry: S&Ls/Savings Banks
Company Websites
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Ownership
·Insider and 5%+ Owners: 34%
·Over the last 6 months:
 · one insider sell; 7,000  shares
  (0.4% of insider shares)
·Institutional: 1% (1% of float)
(7 institutions)
·Net Inst. Selling: 87.0K shares
(prior quarter to latest quarter)
More From Market Guide
 ·Highlights
 ·Performance
 ·Ratio Comparisons
Business Summary
USABancShares.com Inc. is the bank holding company of vBank, a savings bank that does business under the name BankPhiladelphia. The Bank, which is the primary business of the Company, has operated as a community banking institution for over 114 years. The Company offers a variety of deposit products at attractive interest rates in order to build its customer base. The Company also seeks to attract retail customers by offering convenient services such as free electronic bill payment. Its on-line deposit products and services include deposit products, bill payment services, overdraft protection, ATM/debit cards, lending programs, credit cards, and commercial loans. As of December 31, 2000, the Company had total assets of $336.5 million and total liabilities of $327.8 million.
More from Market Guide: Expanded Business Description

Financial Summary
USABancShares.com Inc. is a bank holding company for vBank, a savings bank that does business under the name BankPhiladelphia. For the six months ended 6/30/01, total interest income fell 9% to $14.2 million. Net interest income after loan loss provision fell 15% to $4.8 million. Net loss remained flat at $3.9 million. Results reflect lower average loan balances and a higher provision for loan losses, offset by lower advertising and partnership expenses.
More from Market Guide: Significant Developments

Officers[Insider Trade Data]
FY2000 Pay

George Laughlin, 79
Chairman
--  
Craig Scher, 37
Pres, CEO
$266K
Daniel Machon, Jr., 37
CFO
--  
Dollar amounts are as of 31-Dec-2000 and compensation values are for the fiscal year ending on that date; "Pay" is salary, bonuses, etc..
More from Market Guide on Officers & Directors:
Expanded List, Bios, Compensation, Options
Statistics at a Glance -- NasdaqNM:USABAs of 31-Aug-2001
Price and Volume
52-Week Low
on 16-July-2001
$0.29 
Recent Price$0.70 
52-Week High
on 1-Sep-2000
$3.50 
Beta1.43 
Daily Volume (3-month avg)20.4K
Daily Volume (10-day avg)37.0K
Stock Performance
[one-year price graph]
big chart [1d | 5d | 3m | 6m | 1y | 2y | 5y | max]
52-Week Change-79.0%
52-Week Change
relative to S&P500
-71.8%
Share-Related Items
Market Capitalization$4.04M
Shares Outstanding5.77M
Float3.80M
Dividends & Splits
Annual Dividendnone 
Last Split: 2 for 1 on 16-June-1999
Per-Share Data
Book Value (mrq)$0.96 
Earnings (ttm)-$1.78 
Earnings (mrq)-$0.60 
Sales (ttm)$5.38 
Cash (mrq)$0.11 
Valuation Ratios
Price/Book (mrq)0.73 
Price/EarningsN/A 
Price/Sales (ttm)0.13 
Income Statements
Sales (ttm)$29.0M
EBITDAN/A 
Income available to common (ttm)-$9.66M
Profitability
Profit Margin (ttm)-33.3%
Operating Margin (ttm)33.1%
Fiscal Year
Fiscal Year EndsDec 31
Most recent quarter30-June-2001
Management Effectiveness
Return on Assets (ttm)-2.88%
Return on Equity (ttm)-94.77%
Financial Strength
Current RatioN/A 
Debt/EquityN/A 
Total Cash (mrq)$659.0K
Short Interest
As of 8-Aug-2001
Shares Short2,000 
Percent of Float0.1%
Shares Short
(Prior Month)
14.0K
Short Ratio0.09 
Daily Volume23.0K
See Profile Help for a description of each item above;   K = thousands;   M = millions;   mrq = most-recent quarter;   ttm = trailing twelve months;   (as of 30-June-2001)

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