Major Rating Factors:
A current level of 5.7 percent of nonperforming loans to core capital combined with 4.6 percent from a year earlier contributes to the Weak asset quality (2.6). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.8 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (8.9 on a scale of 0 to 10) and a capital leverage ratio of 10.3. Operating profits as a percentage of assets at 3.3%, coupled with a return on assets of 2.6 has resulted in Excellent (8.6) profitability.
Asset Mix:
Consumer loans (54%), home mtgs (13%), comm re (10%), cash (8%), securities (4%), comm loans (1%), other (12%)
States with Branches:
CT
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
Alcar Inc.
Investment Rating
--
Address
1001 Post Road
Darien, CT 06820
Darien, CT 06820
Phone Number
(203) 656-3500
Year Founded
2006
FDIC Number
Website
Largest Affiliates
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