Adams Community Bank
Major Rating Factors:
Operating profits as a percentage of assets at 0.6%, coupled with a return on assets of 0.5 has resulted in Weak (2.9) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.5 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (9.0 on a scale of 0 to 10) based on a risk-based capital ratio of 17.2 and a capital leverage ratio of 10.3. A current level of 3.0 percent of nonperforming loans to core capital combined with 3.9 percent from a year earlier contributes to the Excellent asset quality (8.7).
Asset Mix:
Home mtgs (66%), securities (11%), comm re (7%), home eq lns (4%), cash (2%), comm loans (1%), consumer loans (1%), other (8%)
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
Community Bancorp of the Berkshires, MHC
Investment Rating
--
Address
70 South Street
Pittsfield, MA 01201
Pittsfield, MA 01201
Phone Number
(413) 743-0001
Year Founded
1869
FDIC Number
Website
Largest Affiliates
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