Major Rating Factors:
Operating profits as a percentage of assets at 0.6%, coupled with a return on assets of 0.5 has resulted in Weak (2.6) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.8 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 42.7 and a capital leverage ratio of 25.5. A current level of 0.0 percent of nonperforming loans to core capital combined with 1.4 percent from a year earlier contributes to the Excellent asset quality (9.0).
Asset Mix:
Home mtgs (39%), comm re (24%), cash (20%), comm loans (4%), consumer loans (1%), home eq lns (1%), securities (0%), other (10%)
States with Branches:
MD
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
3228 - 3230 Eastern Avenue
Baltimore, MD 21224
Baltimore, MD 21224
Phone Number
(410) 327-5220
Year Founded
1916
FDIC Number
Website
Largest Affiliates
No affiliate information available.