Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (1.4 on a scale of 0 to 10).
Other Rating Factors:
Very Weak liquidity 0.6, driven by a liquidity ratio of 7.9 percent and a “hot money” ratio of 21.2 percent. A current level of 12.0 percent of nonperforming loans to core capital combined with 5.1 percent from a year earlier contributes to the Fair asset quality (3.3).
Asset Mix:
Home mtgs (51%), consumer loans (24%), securities (7%), cash (7%), comm loans (6%), 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
There are no affiliate to display.