Major Rating Factors:
Operating profits as a percentage of assets at 0.8%, coupled with a return on assets of 0.6 has resulted in Fair (3.4) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.7 on a scale of 0 to 10).
Other Rating Factors:
A current level of 2.4 percent of nonperforming loans to core capital combined with 3.2 percent from a year earlier contributes to the Excellent asset quality (7.8). Excellent current capitalization (7.3 on a scale of 0 to 10) based on a risk-based capital ratio of 14.5 and a capital leverage ratio of 9.2.
Asset Mix:
Home mtgs (58%), comm re (12%), comm loans (9%), securities (4%), cash (3%), home eq lns (3%), consumer loans (1%), other (10%)
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
InFirst Bancorp, MHC
Investment Rating
--
Address
935 Philadelphia Street
Indiana, PA 15701
Indiana, PA 15701
Phone Number
(800) 349-2814
Year Founded
1922
FDIC Number
Website
Largest Affiliates
No affiliate information available.