Major Rating Factors:
Operating profits as a percentage of assets at 0.3%, coupled with a return on assets of 0.3 has resulted in Weak (2.3) profitability. A current level of 4.0 percent of nonperforming loans to core capital combined with 5.7 percent from a year earlier contributes to the Good asset quality (5.9).
Other Rating Factors:
Excellent current capitalization (7.9 on a scale of 0 to 10) based on a risk-based capital ratio of 14.0 and a capital leverage ratio of 9.6. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.2 on a scale of 0 to 10).
Asset Mix:
Home mtgs (32%), comm re (16%), consumer loans (15%), securities (9%), comm loans (8%), cash (4%), home eq lns (3%), other (12%)
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
New Hampshire Mutual Bancorp
Investment Rating
--
Address
89 North Main Street
Concord, NH 03301
Concord, NH 03301
Phone Number
(603) 223-2605
Year Founded
1867
FDIC Number
Website
Largest Affiliates
Meredith, NH
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Bank