| Weiss Ratings |
Shoreham Bank
Warwick, RI |
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| Rating | ||||
| Asset Quality Index | 4.30 | |||
| Capitalization Index | 10.00 | |||
| Liquidity Index | 0.10 | |||
| Profitability Index | 2.80 | |||
| Stability Index | 8.00 | |||
| Company Info |
Shoreham Bank
Warwick, RI |
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| FDIC Number | 27417 | |||
| Phone Number | (401) 773-2885 | |||
| Website | www.shoreham.bank | |||
| Asset Quality |
Shoreham Bank
Warwick, RI |
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| 1-Year Asset Growth | -0.85% | |||
| 5-Year Asset Growth | 5.52% | |||
| 5-Year Charge-Offs to Average Loans | 0.40% | |||
| Charge-Offs to Average Loans | 0.56% | |||
| Non-Performing Assets to Assets | 1.36% | |||
| Non-Performing Loans to Capital | 8.57% | |||
| Non-Performing Loans to Loans | 1.35% | |||
| Balance Sheet |
Shoreham Bank
Warwick, RI |
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| Total Assets | 481.17M | |||
| Total Deposits | 406.44M | |||
| Capital and Reserves |
Shoreham Bank
Warwick, RI |
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| Capital | 54.92M | |||
| Leverage Ratio | 11.20 | |||
| Loan Loss Reserves to Loans | 2.38% | |||
| Risk-Based Capital Ratio | 14.41 | |||
| Liquidity |
Shoreham Bank
Warwick, RI |
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| Hot Money Ratio | 27.72% | |||
| Liquidity Ratio | 8.41% | |||
| Profitability |
Shoreham Bank
Warwick, RI |
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| 5-Year Return on Average Assets | 2.22% | |||
| Net Income | 4.10M | |||
| Net Interest Spread | 4.69% | |||
| Operating Profit to Average Assets | 0.83% | |||
| Overhead Efficiency Ratio | 76.63% | |||
| Return on Assets | 0.83% | |||
| Return on Equity | 7.54% | |||