Major Rating Factors:
Operating profits as a percentage of assets at 0.0%, coupled with a return on assets of 0.0 has resulted in Weak (2.0) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.8 on a scale of 0 to 10).
Other Rating Factors:
Weak liquidity 1.0, driven by a liquidity ratio of 10.7 percent and a “hot money” ratio of 27.8 percent. A current level of 4.7 percent of nonperforming loans to core capital combined with 0.6 percent from a year earlier contributes to the Fair asset quality (4.3).
Asset Mix:
Home mtgs (47%), consumer loans (22%), securities (11%), cash (10%), comm loans (5%), comm re (2%), other (3%)
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
19 Main Street
Hammond, NY 13646
Hammond, NY 13646
Phone Number
(315) 324-5961
Year Founded
1913
FDIC Number
Largest Affiliates
No affiliate information available.