Major Rating Factors:
Operating profits as a percentage of assets at 0.3%, coupled with a return on assets of 0.2 has resulted in Weak (2.0) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.2 on a scale of 0 to 10).
Other Rating Factors:
A current level of 1.1 percent of nonperforming loans to core capital combined with 0.3 percent from a year earlier contributes to the Excellent asset quality (9.1). Excellent current capitalization (8.5 on a scale of 0 to 10) and a capital leverage ratio of 10.0.
Asset Mix:
Home mtgs (48%), comm re (17%), securities (12%), home eq lns (5%), cash (2%), comm loans (2%), consumer loans (1%), other (14%)
States with Branches:
ME
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
252 Main Street
Saco, ME 04072
Saco, ME 04072
Phone Number
(207) 284-4591
Year Founded
1827
FDIC Number
Website
Largest Affiliates
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