Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.8 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 18.7 and a capital leverage ratio of 11.6. A current level of 3.0 percent of nonperforming loans to core capital combined with 1.5 percent from a year earlier contributes to the Excellent asset quality (8.2).
Asset Mix:
Home mtgs (53%), comm re (11%), securities (9%), consumer loans (6%), comm loans (3%), cash (2%), home eq lns (2%), other (13%)
States with Branches:
MA, 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
Investment Rating
--
Address
Three South Broadway
Salem, NH 03079
Salem, NH 03079
Phone Number
(603) 893-3333
Year Founded
1922
FDIC Number
Website
Largest Affiliates
No affiliate information available.