Wells River Savings Bank
Major Rating Factors:
Excellent current capitalization (9.8 on a scale of 0 to 10) based on a risk-based capital ratio of 17.7 and a capital leverage ratio of 10.8. A current level of 4.7 percent of nonperforming loans to core capital combined with 5.3 percent from a year earlier contributes to the Good asset quality (6.1).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.0 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.8%, coupled with a return on assets of 0.7 has resulted in Fair (3.7) profitability.
Asset Mix:
Home mtgs (44%), securities (23%), comm loans (7%), consumer loans (6%), cash (5%), comm re (4%), home eq lns (3%), other (8%)
States with Branches:
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
Investment Rating
--
Address
34 Main Street, North
Wells River, VT 05081
Wells River, VT 05081
Phone Number
(802) 757-2361
Year Founded
1892
FDIC Number
Website
Largest Affiliates
No affiliate information available.