Major Rating Factors:
Excellent current capitalization (7.5 on a scale of 0 to 10) based on a risk-based capital ratio of 14.8 and a capital leverage ratio of 9.3. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.9 on a scale of 0 to 10).
Other Rating Factors:
A current level of 9.1 percent of nonperforming loans to core capital combined with 5.7 percent from a year earlier contributes to the Good asset quality (6.2). Fair liquidity 3.2, driven by a liquidity ratio of 17.4 percent and a “hot money” ratio of 22.4 percent.
Asset Mix:
Home mtgs (40%), comm re (16%), securities (13%), cash (5%), comm loans (4%), home eq lns (3%), consumer loans (2%), 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
Investment Rating
--
Address
180 Schwenk Drive
Kingston, NY 12401
Kingston, NY 12401
Phone Number
(845) 338-6322
Year Founded
1851
FDIC Number
Website
Largest Affiliates
No affiliate information available.