1ST SUMMIT BANCORP of Johnstown Balance Sheet Health
Financial Health criteria checks 6/6
1ST SUMMIT BANCORP of Johnstown has total assets of $1.4B and total equity of $104.3M. Total deposits are $1.2B, and total loans are $726.1M. It earns a Net Interest Margin of 2.9%. It has sufficient allowance for bad loans, which are currently at 0.6% of total loans. Cash and short-term investments are $10.7M.
Key information
13x
Asset to equity ratio
2.9%
Net interest margin
Total deposits | US$1.15b |
Loan to deposit ratio | Appropriate |
Bad loans | 0.6% |
Allowance for bad loans | Sufficient |
Current ratio | Low |
Cash & equivalents | US$10.69m |
Recent financial health updates
No updates
Recent updates
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Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: FSMK's Assets to Equity ratio (13x) is moderate.
Allowance for Bad Loans: FSMK has a sufficient allowance for bad loans (179%).
Low Risk Liabilities: 92% of FSMK's liabilities are made up of primarily low risk sources of funding.
Loan Level: FSMK has an appropriate level of Loans to Assets ratio (54%).
Low Risk Deposits: FSMK's Loans to Deposits ratio (63%) is appropriate.
Level of Bad Loans: FSMK has an appropriate level of bad loans (0.6%).