Winter Hill Bank, FSB
Major Rating Factors:
Operating profits as a percentage of assets at 0.1%, coupled with a return on assets of 0.1 has resulted in Very Weak (0.5) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.4 on a scale of 0 to 10).
Other Rating Factors:
A current level of 0.0 percent of nonperforming loans to core capital combined with 2.4 percent from a year earlier contributes to the Excellent asset quality (8.7). Good current capitalization (6.8 on a scale of 0 to 10) based on a risk-based capital ratio of 17.6 and a capital leverage ratio of 10.0.
Asset Mix:
Home mtgs (51%), securities (17%), cash (6%), comm re (4%), home eq lns (1%), other (21%)
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
Investment Rating
--
Address
342 Broadway
Somerville, MA 02145
Somerville, MA 02145
Phone Number
(617) 666-8600
Year Founded
1906
FDIC Number
Website
Largest Affiliates
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