Major Rating Factors:
Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 1.1 has resulted in Fair (4.8) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.9 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (8.1 on a scale of 0 to 10) and a capital leverage ratio of 9.8. A current level of 3.8 percent of nonperforming loans to core capital combined with 0.2 percent from a year earlier contributes to the Good asset quality (6.4).
Asset Mix:
Comm re (35%), home mtgs (23%), securities (13%), cash (4%), comm loans (4%), home eq lns (1%), consumer loans (0%), other (19%)
States with Branches:
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
Franklin Bancorp MHC
Investment Rating
--
Address
387 Central Street
Franklin, NH 03235
Franklin, NH 03235
Phone Number
(603) 934-4445
Year Founded
1869
FDIC Number
Website
Largest Affiliates
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