Major Rating Factors:
A current level of 12.8 percent of nonperforming loans to core capital combined with 5.2 percent from a year earlier contributes to the Fair asset quality (4.2). Operating profits as a percentage of assets at 0.7%, coupled with a return on assets of 0.6 has resulted in Fair (3.5) profitability.
Other Rating Factors:
Excellent current capitalization (9.0 on a scale of 0 to 10) based on a risk-based capital ratio of 14.7 and a capital leverage ratio of 10.5. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.5 on a scale of 0 to 10).
Asset Mix:
Comm re (27%), comm loans (20%), securities (19%), cash (4%), home mtgs (1%), consumer loans (0%), other (29%)
States with Branches:
CA, FL, NJ, 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
Israel Discount Bank Limited
Investment Rating
--
Address
1114 Avenue of the Americas
New York, NY 10036
New York, NY 10036
Phone Number
(212) 551-8500
Year Founded
FDIC Number
Website
Largest Affiliates
No affiliate information available.