Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 30.5 and a capital leverage ratio of 11.5. A current level of 1.7 percent of nonperforming loans to core capital combined with 1.2 percent from a year earlier contributes to the Excellent asset quality (9.6).
Other Rating Factors:
Operating profits as a percentage of assets at 2.4%, coupled with a return on assets of 1.9 has resulted in Excellent (8.9) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.5 on a scale of 0 to 10).
Asset Mix:
Cash (51%), securities (15%), comm re (11%), home mtgs (9%), home eq lns (3%), comm loans (3%), consumer loans (2%), other (7%)
States with Branches:
SC
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
York Bancshares, Inc.
Investment Rating
--
Address
13 West Liberty Street
York, SC 29745
York, SC 29745
Phone Number
(803) 684-4249
Year Founded
1935
FDIC Number
Website
Largest Affiliates
No affiliate information available.