Major Rating Factors:
Operating profits as a percentage of assets at 0.2%, coupled with a return on assets of 0.2 has resulted in Weak (1.1) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (2.9 on a scale of 0 to 10).
Other Rating Factors:
Weak liquidity 1.9, driven by a liquidity ratio of 33.4 percent and a “hot money” ratio of 11.7 percent. Good current capitalization (5.4 on a scale of 0 to 10) based on a risk-based capital ratio of 20.9 and a capital leverage ratio of 7.9.
Asset Mix:
Home mtgs (51%), securities (18%), cash (16%), comm re (5%), home eq lns (1%), other (9%)
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
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Address
412 Wanamaker Avenue
Essington, PA 19029
Essington, PA 19029
Phone Number
(610) 521-1080
Year Founded
1920
FDIC Number
Website
Largest Affiliates
No affiliate information available.