Major Rating Factors:
Operating profits as a percentage of assets at 0.3%, coupled with a return on assets of 0.2 has resulted in Weak (2.1) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.6 on a scale of 0 to 10).
Other Rating Factors:
A current level of 0.2 percent of nonperforming loans to core capital combined with 1.1 percent from a year earlier contributes to the Excellent asset quality (8.5). Excellent current capitalization (7.6 on a scale of 0 to 10) and a capital leverage ratio of 9.4.
Asset Mix:
Home mtgs (50%), comm re (20%), securities (7%), consumer loans (5%), home eq lns (4%), comm loans (3%), cash (2%), other (10%)
States with Branches:
MA
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
Coastal Affiliates, MHC
Investment Rating
--
Address
25 Benjamin Franklin Way
Hyannis, MA 02601
Hyannis, MA 02601
Phone Number
(508) 568-3200
Year Founded
1921
FDIC Number
Largest Affiliates
No affiliate information available.