Major Rating Factors:
Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 1.0 has resulted in Fair (4.7) profitability. A current level of 3.7 percent of nonperforming loans to core capital combined with 0.8 percent from a year earlier contributes to the Good asset quality (5.8).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 21.8 and a capital leverage ratio of 14.6. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (9.0 on a scale of 0 to 10).
Asset Mix:
Comm re (39%), securities (20%), cash (14%), comm loans (2%), home mtgs (2%), other (22%)
States with Branches:
CT, NJ, 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
Atlantic Community Bancshares Inc
Investment Rating
--
Address
225 Grandview Avenue
Camp Hill, PA 17011
Camp Hill, PA 17011
Phone Number
(717) 737-9335
Year Founded
1983
FDIC Number
Website
Largest Affiliates
No affiliate information available.