Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.9 on a scale of 0 to 10). A current level of 17.8 percent of nonperforming loans to core capital combined with 2.9 percent from a year earlier contributes to the Fair asset quality (3.4).
Other Rating Factors:
Excellent current capitalization (8.9 on a scale of 0 to 10) based on a risk-based capital ratio of 15.9 and a capital leverage ratio of 10.3. Weak liquidity 2.6, driven by a liquidity ratio of 18.7 percent and a “hot money” ratio of 26.5 percent.
Asset Mix:
Home mtgs (38%), securities (19%), comm re (15%), cash (3%), home eq lns (3%), comm loans (1%), consumer loans (1%), other (19%)
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.