Major Rating Factors:
Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.7 has resulted in Fair (4.0) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.7 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 11.7. A current level of 5.4 percent of nonperforming loans to core capital combined with 7.1 percent from a year earlier contributes to the Good asset quality (6.4).
Asset Mix:
Home mtgs (42%), comm re (25%), comm loans (7%), cash (6%), securities (6%), consumer loans (3%), home eq lns (3%), other (7%)
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
100 Commerce Drive
Milroy, PA 17063
Milroy, PA 17063
Phone Number
(717) 248-3000
Year Founded
1923
FDIC Number
Website
Largest Affiliates
No affiliate information available.