Major Rating Factors:
Operating profits as a percentage of assets at 0.3%, coupled with a return on assets of 0.3 has resulted in Weak (1.7) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.5 on a scale of 0 to 10).
Other Rating Factors:
Very Weak liquidity 0.5, driven by a liquidity ratio of 15.8 percent and a “hot money” ratio of 22.0 percent. Fair current capitalization (4.7 on a scale of 0 to 10) and a capital leverage ratio of 9.3.
Asset Mix:
Home mtgs (30%), securities (21%), comm loans (7%), comm re (7%), cash (7%), consumer loans (2%), home eq lns (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
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