Major Rating Factors:
Operating profits as a percentage of assets at 0.2%, coupled with a return on assets of 0.1 has resulted in Weak (1.4) profitability. Fair current capitalization (4.2 on a scale of 0 to 10) based on a risk-based capital ratio of 16.2 and a capital leverage ratio of 8.9.
Other Rating Factors:
Very Weak liquidity 0.6, driven by a liquidity ratio of 15.1 percent and a “hot money” ratio of 19.1 percent. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.6 on a scale of 0 to 10).
Asset Mix:
Home mtgs (29%), securities (22%), comm re (8%), cash (7%), comm loans (6%), home eq lns (2%), consumer loans (2%), other (24%)
States with Branches:
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
Profile Bancorp MHC
Investment Rating
--
Address
45 Wakefield Street
Rochester, NH 03867
Rochester, NH 03867
Phone Number
(603) 332-2610
Year Founded
1907
FDIC Number
Website
Largest Affiliates
No affiliate information available.