Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 40.9 and a capital leverage ratio of 29.8. A current level of 0.9 percent of nonperforming loans to core capital combined with 1.0 percent from a year earlier contributes to the Excellent asset quality (10.0).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (9.3 on a scale of 0 to 10). Fair liquidity 4.0, driven by a liquidity ratio of 36.0 percent and a “hot money” ratio of 2.2 percent.
Asset Mix:
Home mtgs (44%), securities (24%), cash (6%), comm re (3%), home eq lns (2%), consumer loans (1%), comm loans (0%), other (20%)
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
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Address
75 South First Street
Fulton, NY 13069
Fulton, NY 13069
Phone Number
(315) 592-4201
Year Founded
1871
FDIC Number
Website
Largest Affiliates
No affiliate information available.