Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.3 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.7%, coupled with a return on assets of 1.4 has resulted in Good (5.8) profitability.
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 21.7 and a capital leverage ratio of 15.8. A current level of 3.5 percent of nonperforming loans to core capital combined with 3.8 percent from a year earlier contributes to the Good asset quality (6.4).
Asset Mix:
Comm re (41%), securities (21%), cash (7%), home mtgs (3%), comm loans (3%), other (26%)
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
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