Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 20.0. Operating profits as a percentage of assets at 3.8%, coupled with a return on assets of 3.1 has resulted in Excellent (8.6) profitability.
Other Rating Factors:
A current level of 2.9 percent of nonperforming loans to core capital combined with 3.8 percent from a year earlier contributes to the Excellent asset quality (8.5). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.3 on a scale of 0 to 10).
Asset Mix:
Home mtgs (51%), securities (23%), consumer loans (4%), cash (4%), comm re (4%), comm loans (1%), other (13%)
States with Branches:
NY, PA
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Investment Rating
--
Address
333 West Main Street
Smethport, PA 16749
Smethport, PA 16749
Phone Number
(814) 887-5555
Year Founded
1863
FDIC Number
Website
Largest Affiliates
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