Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 15.3. A current level of 4.4 percent of nonperforming loans to core capital combined with 2.8 percent from a year earlier contributes to the Excellent asset quality (7.2).
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 (6.4) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.3 on a scale of 0 to 10).
Asset Mix:
Securities (24%), comm re (24%), home mtgs (22%), cash (5%), comm loans (2%), home eq lns (2%), consumer loans (0%), other (20%)
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
Palm Bancorp
Investment Rating
--
Address
Fourth Street & Lafayette Avenue
Palmerton, PA 18071
Palmerton, PA 18071
Phone Number
(610) 826-2239
Year Founded
1908
FDIC Number
Website
Largest Affiliates
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