Passumpsic Savings Bank
Major Rating Factors:
Operating profits as a percentage of assets at 0.6%, coupled with a return on assets of 0.6 has resulted in Weak (1.0) profitability. A current level of 4.0 percent of nonperforming loans to core capital combined with 10.1 percent from a year earlier contributes to the Good asset quality (7.0).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 20.6 and a capital leverage ratio of 12.8. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.1 on a scale of 0 to 10).
Asset Mix:
Home mtgs (52%), comm re (10%), securities (9%), cash (7%), comm loans (3%), consumer loans (2%), home eq lns (1%), other (16%)
States with Branches:
NH, VT
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
Passumpsic Bancorp
Investment Rating
--
Address
497 Railroad Street
Saint Johnsbury, VT 05819
Saint Johnsbury, VT 05819
Phone Number
(802) 748-3196
Year Founded
1853
FDIC Number
Website
Largest Affiliates
No affiliate information available.