Major Rating Factors:
Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 0.9 has resulted in Fair (4.5) profitability. A current level of 9.4 percent of nonperforming loans to core capital combined with 9.5 percent from a year earlier contributes to the Fair asset quality (4.3).
Other Rating Factors:
Excellent current capitalization (7.0 on a scale of 0 to 10) based on a risk-based capital ratio of 15.1 and a capital leverage ratio of 9.3. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.4 on a scale of 0 to 10).
Asset Mix:
Comm re (32%), cash (17%), home mtgs (17%), securities (12%), comm loans (7%), consumer loans (4%), home eq lns (2%), other (9%)
States with Branches:
MD
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
8 West Bel Air Avenue
Aberdeen, MD 21001
Aberdeen, MD 21001
Phone Number
(410) 272-5000
Year Founded
1964
FDIC Number
Website
Largest Affiliates
No affiliate information available.