Cape Ann Savings Bank
Major Rating Factors:
Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 1.1 has resulted in Fair (4.9) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.3 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 27.9 and a capital leverage ratio of 20.6. A current level of 1.5 percent of nonperforming loans to core capital combined with 1.5 percent from a year earlier contributes to the Excellent asset quality (9.6).
Asset Mix:
Home mtgs (48%), securities (11%), comm re (11%), cash (5%), home eq lns (5%), comm loans (1%), consumer loans (0%), other (18%)
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
Investment Rating
--
Address
109 Main Street
Gloucester, MA 01930
Gloucester, MA 01930
Phone Number
(978) 283-0246
Year Founded
1846
FDIC Number
Website
Largest Affiliates
No affiliate information available.