Fall River Five Cents Savings Bank
Major Rating Factors:
Operating profits as a percentage of assets at 0.5%, coupled with a return on assets of 0.4 has resulted in Weak (2.4) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.4 on a scale of 0 to 10).
Other Rating Factors:
Good current capitalization (6.7 on a scale of 0 to 10) based on a risk-based capital ratio of 12.4 and a capital leverage ratio of 8.7. A current level of 6.1 percent of nonperforming loans to core capital combined with 4.2 percent from a year earlier contributes to the Good asset quality (6.6).
Asset Mix:
Home mtgs (33%), comm re (25%), securities (14%), comm loans (6%), home eq lns (5%), cash (3%), consumer loans (1%), other (13%)
States with Branches:
MA, RI
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
BankFive, MHC
Investment Rating
--
Address
79 North Main Street
Fall River, MA 02720
Fall River, MA 02720
Phone Number
(774) 888-6100
Year Founded
1855
FDIC Number
Website
Largest Affiliates
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