Major Rating Factors:
Operating profits as a percentage of assets at 0.4%, coupled with a return on assets of 0.4 has resulted in Weak (2.3) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (2.3 on a scale of 0 to 10).
Other Rating Factors:
Good current capitalization (6.1 on a scale of 0 to 10) based on a risk-based capital ratio of 16.5 and a capital leverage ratio of 8.1. A current level of 5.1 percent of nonperforming loans to core capital combined with 12.3 percent from a year earlier contributes to the Good asset quality (5.9).
Asset Mix:
Home mtgs (38%), securities (33%), consumer loans (7%), cash (6%), comm re (6%), comm loans (3%), home eq lns (1%), other (7%)
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
Fryburg Banking Company, Inc.
Investment Rating
--
Address
19535 Route 208
Fryburg, PA 16326
Fryburg, PA 16326
Phone Number
(814) 354-7311
Year Founded
1909
FDIC Number
Website
Largest Affiliates
No affiliate information available.