Major Rating Factors:
Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 0.9 has resulted in Fair (3.6) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.6 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (9.1 on a scale of 0 to 10) based on a risk-based capital ratio of 17.8 and a capital leverage ratio of 10.4. A current level of 1.7 percent of nonperforming loans to core capital combined with 2.3 percent from a year earlier contributes to the Excellent asset quality (7.2).
Asset Mix:
Home mtgs (46%), securities (19%), comm loans (16%), consumer loans (12%), cash (5%), other (2%)
States with Branches:
ME
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
43 High Street
Caribou, ME 04736
Caribou, ME 04736
Phone Number
(207) 498-8726
Year Founded
1936
FDIC Number
Website
Largest Affiliates
No affiliate information available.