Major Rating Factors:
A current level of 2.5 percent of nonperforming loans to core capital combined with 3.4 percent from a year earlier contributes to the Excellent asset quality (7.5). Good current capitalization (6.8 on a scale of 0 to 10) based on a risk-based capital ratio of 15.8 and a capital leverage ratio of 8.8.
Other Rating Factors:
Operating profits as a percentage of assets at 1.7%, coupled with a return on assets of 1.4 has resulted in Good (5.9) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (5.0 on a scale of 0 to 10).
Asset Mix:
Home mtgs (46%), securities (18%), comm re (12%), cash (2%), home eq lns (2%), consumer loans (1%), comm loans (1%), other (18%)
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
Holland Bancorp, Inc.
Investment Rating
--
Address
12 South Main Street
Holland, NY 14080
Holland, NY 14080
Phone Number
(716) 537-2264
Year Founded
1893
FDIC Number
Website
Largest Affiliates
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