Major Rating Factors:
Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 1.0 has resulted in Fair (4.5) 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:
Excellent current capitalization (8.0 on a scale of 0 to 10) and a capital leverage ratio of 9.6. A current level of 4.8 percent of nonperforming loans to core capital combined with 6.2 percent from a year earlier contributes to the Good asset quality (6.1).
Asset Mix:
Home mtgs (38%), comm re (21%), securities (16%), cash (5%), home eq lns (5%), comm loans (4%), consumer loans (1%), other (10%)
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
Berkshire Financial Services, Inc.
Investment Rating
--
Address
75 Park Street
Lee, MA 01238
Lee, MA 01238
Phone Number
(413) 243-0117
Year Founded
1952
FDIC Number
Website
Largest Affiliates
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