Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 33.0 and a capital leverage ratio of 12.3. A current level of 2.2 percent of nonperforming loans to core capital combined with 1.8 percent from a year earlier contributes to the Excellent asset quality (9.4).
Other Rating Factors:
Operating profits as a percentage of assets at 2.3%, coupled with a return on assets of 1.7 has resulted in Excellent (9.3) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.2 on a scale of 0 to 10).
Asset Mix:
Cash (53%), securities (13%), comm re (9%), home mtgs (8%), comm loans (4%), home eq lns (3%), consumer loans (2%), other (8%)
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.