Major Rating Factors:
Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 0.8 has resulted in Fair (4.4) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (3.0 on a scale of 0 to 10).
Other Rating Factors:
A current level of 0.1 percent of nonperforming loans to core capital combined with 0.3 percent from a year earlier contributes to the Excellent asset quality (9.0). Good current capitalization (5.9 on a scale of 0 to 10) based on a risk-based capital ratio of 12.8 and a capital leverage ratio of 7.9.
Asset Mix:
Comm re (31%), home mtgs (22%), securities (21%), comm loans (6%), cash (4%), home eq lns (4%), consumer loans (0%), other (13%)
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
5 North Main Street
Woodsboro, MD 21798
Woodsboro, MD 21798
Phone Number
(301) 898-4000
Year Founded
1899
FDIC Number
Website
Largest Affiliates
No affiliate information available.