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 (5.0 on a scale of 0 to 10). Operating profits as a percentage of assets at 2.7%, coupled with a return on assets of 2.2 has resulted in Excellent (8.9) profitability.
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 24.9. A current level of 0.7 percent of nonperforming loans to core capital combined with 0.3 percent from a year earlier contributes to the Excellent asset quality (9.5).
Asset Mix:
Securities (71%), comm loans (6%), cash (4%), comm re (2%), consumer loans (0%), home mtgs (0%), other (16%)
States with Branches:
NY
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
222 Genesee Street
Utica, NY 13502
Utica, NY 13502
Phone Number
(315) 797-2700
Year Founded
1927
FDIC Number
Website
Largest Affiliates
No affiliate information available.