Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 45.4 and a capital leverage ratio of 23.8. A current level of 2.4 percent of nonperforming loans to core capital contributes to the Excellent asset quality (9.8).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.9 on a scale of 0 to 10). Good liquidity 6.1, driven by a liquidity ratio of 84.0 percent and a “hot money” ratio of 45.0 percent.
Asset Mix:
Securities (67%), home mtgs (10%), comm re (8%), cash (3%), comm loans (1%), other (11%)
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
531 Broad Street
Sewickley, PA 15143
Sewickley, PA 15143
Phone Number
(412) 741-5000
Year Founded
1884
FDIC Number
Largest Affiliates
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