| Weiss Ratings |
Northern Bank & Trust Company
Woburn, MA |
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| Rating | ||||
| Asset Quality Index | 3.00 | |||
| Capitalization Index | 10.00 | |||
| Liquidity Index | 0.50 | |||
| Profitability Index | 10.00 | |||
| Stability Index | 10.00 | |||
| Company Info |
Northern Bank & Trust Company
Woburn, MA |
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| FDIC Number | 18266 | |||
| Phone Number | (781) 937-5400 | |||
| Website | www.nbtc.com/ | |||
| Asset Quality |
Northern Bank & Trust Company
Woburn, MA |
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| 1-Year Asset Growth | -2.63% | |||
| 5-Year Asset Growth | 8.89% | |||
| 5-Year Charge-Offs to Average Loans | 0.05% | |||
| Charge-Offs to Average Loans | 0.08% | |||
| Non-Performing Assets to Assets | 4.35% | |||
| Non-Performing Loans to Capital | 19.44% | |||
| Non-Performing Loans to Loans | 5.02% | |||
| Balance Sheet |
Northern Bank & Trust Company
Woburn, MA |
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| Total Assets | 3.22B | |||
| Total Deposits | 2.67B | |||
| Capital and Reserves |
Northern Bank & Trust Company
Woburn, MA |
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| Capital | 473.25M | |||
| Leverage Ratio | 15.23 | |||
| Loan Loss Reserves to Loans | 2.32% | |||
| Risk-Based Capital Ratio | 17.28 | |||
| Liquidity |
Northern Bank & Trust Company
Woburn, MA |
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| Hot Money Ratio | 15.65% | |||
| Liquidity Ratio | 11.35% | |||
| Profitability |
Northern Bank & Trust Company
Woburn, MA |
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| 5-Year Return on Average Assets | 2.00% | |||
| Net Income | 28.67M | |||
| Net Interest Spread | 5.18% | |||
| Operating Profit to Average Assets | 2.47% | |||
| Overhead Efficiency Ratio | 37.10% | |||
| Return on Assets | 1.83% | |||
| Return on Equity | 12.33% | |||