Firstrust Savings Bank
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 (5.0 on a scale of 0 to 10). A current level of 4.9 percent of nonperforming loans to core capital combined with 4.5 percent from a year earlier contributes to the Good asset quality (6.1).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 13.5 and a capital leverage ratio of 11.3. Operating profits as a percentage of assets at 2.1%, coupled with a return on assets of 2.1 has resulted in Excellent (7.9) profitability.
Asset Mix:
Comm re (25%), comm loans (22%), home mtgs (15%), securities (8%), consumer loans (8%), cash (6%), home eq lns (2%), other (14%)
States with Branches:
MD, 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
Semperverde Holding Co
Investment Rating
--
Address
15 East Ridge Pike
Conshohocken, PA 19428
Conshohocken, PA 19428
Phone Number
(610) 238-5001
Year Founded
1934
FDIC Number
Website
Largest Affiliates
San Marcos, CA
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Bank