Journey Bank
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.8 on a scale of 0 to 10). Excellent current capitalization (7.9 on a scale of 0 to 10) based on a risk-based capital ratio of 16.7 and a capital leverage ratio of 9.6.
Other Rating Factors:
Operating profits as a percentage of assets at 1.7%, coupled with a return on assets of 1.4 has resulted in Good (6.1) profitability. A current level of 9.3 percent of nonperforming loans to core capital combined with 4.9 percent from a year earlier contributes to the Good asset quality (5.4).
Asset Mix:
Home mtgs (34%), securities (19%), comm re (15%), home eq lns (5%), comm loans (4%), cash (3%), consumer loans (1%), other (19%)
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
Muncy Columbia Financial Corporation
Investment Rating
Address
1199 Lightstreet Road
Bloomsburg, PA 17815
Bloomsburg, PA 17815
Phone Number
(570) 784-1660
Year Founded
1899
FDIC Number
Website
Largest Affiliates
No affiliate information available.