Major Rating Factors:
Excellent current capitalization (9.3 on a scale of 0 to 10) based on a risk-based capital ratio of 13.9 and a capital leverage ratio of 10.5. A current level of 1.9 percent of nonperforming loans to core capital combined with 3.2 percent from a year earlier contributes to the Excellent asset quality (8.4).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.6 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.6%, coupled with a return on assets of 0.5 has resulted in Fair (3.0) profitability.
Asset Mix:
Home mtgs (31%), comm re (29%), comm loans (9%), securities (8%), cash (5%), home eq lns (2%), consumer loans (0%), other (16%)
States with Branches:
ME, NH
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
Androscoggin Bancorp, MHC
Investment Rating
--
Address
30 Lisbon Street
Lewiston, ME 04240
Lewiston, ME 04240
Phone Number
(207) 784-9164
Year Founded
1870
FDIC Number
Website
Largest Affiliates
No affiliate information available.