Major Rating Factors:
Operating profits as a percentage of assets at 1.7%, coupled with a return on assets of 1.4 has resulted in Fair (4.8) profitability. A current level of 4.5 percent of nonperforming loans to core capital combined with 4.9 percent from a year earlier contributes to the Weak asset quality (2.6).
Other Rating Factors:
Excellent current capitalization (7.4 on a scale of 0 to 10) and a capital leverage ratio of 9.2. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.3 on a scale of 0 to 10).
Asset Mix:
Consumer loans (47%), home mtgs (18%), comm re (14%), securities (6%), cash (4%), comm loans (1%), other (11%)
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
No affiliate information available.