Major Rating Factors:
Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 1.0 has resulted in Fair (4.9) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.3 on a scale of 0 to 10).
Other Rating Factors:
A current level of 1.2 percent of nonperforming loans to core capital combined with 1.1 percent from a year earlier contributes to the Excellent asset quality (8.2). Good current capitalization (6.7 on a scale of 0 to 10) based on a risk-based capital ratio of 17.9 and a capital leverage ratio of 10.0.
Asset Mix:
Home mtgs (33%), securities (22%), comm re (14%), cash (6%), comm loans (5%), consumer loans (2%), home eq lns (2%), other (16%)
States with Branches:
DE, 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
7484 Market Street
Willards, MD 21874
Willards, MD 21874
Phone Number
(410) 835-8906
Year Founded
1925
FDIC Number
Website
Largest Affiliates
No affiliate information available.
