Major Rating Factors:
A current level of 14.8 percent of nonperforming loans to core capital combined with 18.6 percent from a year earlier contributes to the Fair asset quality (3.9). Operating profits as a percentage of assets at 0.1%, coupled with a return on assets of 0.2 has resulted in Weak (1.6) profitability.
Other Rating Factors:
Excellent current capitalization (9.1 on a scale of 0 to 10) based on a risk-based capital ratio of 16.1 and a capital leverage ratio of 10.4. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.1 on a scale of 0 to 10).
Asset Mix:
Home mtgs (38%), securities (20%), comm re (15%), home eq lns (3%), cash (2%), comm loans (1%), consumer loans (1%), other (20%)
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
Clinton Financial Services, MHC
Investment Rating
--
Address
200 Church Street
Clinton, MA 01510
Clinton, MA 01510
Phone Number
(978) 365-3700
Year Founded
1851
FDIC Number
Website
Largest Affiliates
No affiliate information available.