Development
Major Rating Factors:
A current level of 1.1 percent of nonperforming loans to core capital combined with 1.7 percent from a year earlier contributes to the Excellent asset quality (9.3). Excellent current capitalization (8.9 on a scale of 0 to 10) based on a risk-based capital ratio of 29.3 and a capital leverage ratio of 10.2.
Other Rating Factors:
Operating profits as a percentage of assets at 2.4%, coupled with a return on assets of 1.8 has resulted in Excellent (7.9) profitability. Good liquidity 5.8, driven by a liquidity ratio of 63.7 percent and a “hot money” ratio of 7.9 percent.
Asset Mix:
Cash (53%), securities (14%), comm re (11%), home mtgs (8%), comm loans (3%), home eq lns (2%), consumer loans (2%), other (7%)
States with Branches:
SC
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
York Bancshares, Inc.
Investment Rating
--
Address
13 West Liberty Street
York, SC 29745
York, SC 29745
Phone Number
(803) 684-4249
Year Founded
1935
FDIC Number
Website
Largest Affiliates
No affiliate information available.