Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 14.1. 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).
Other Rating Factors:
A current level of 12.0 percent of nonperforming loans to core capital combined with 8.6 percent from a year earlier contributes to the Fair asset quality (5.0). Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 0.9 has resulted in Fair (4.3) profitability.
Asset Mix:
Securities (28%), home mtgs (25%), comm re (24%), cash (5%), comm loans (3%), consumer loans (2%), home eq lns (1%), other (12%)
States with Branches:
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
Investment Rating
--
Address
203 North Logan Boulevard
Altoona, PA 16602
Altoona, PA 16602
Phone Number
(814) 943-5411
Year Founded
1927
FDIC Number
Website
Largest Affiliates
There are no affiliate to display.