Major Rating Factors:
Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 1.2 has resulted in Fair (4.7) profitability. Good current capitalization (6.5 on a scale of 0 to 10) based on a risk-based capital ratio of 17.1 and a capital leverage ratio of 9.5.
Other Rating Factors:
A current level of 2.1 percent of nonperforming loans to core capital combined with 3.0 percent from a year earlier contributes to the Excellent asset quality (8.3). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.7 on a scale of 0 to 10).
Asset Mix:
Securities (36%), comm re (21%), home mtgs (15%), cash (5%), comm loans (2%), home eq lns (1%), consumer loans (0%), other (19%)
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
Greene County Bancorp, MHC
Investment Rating
--
Address
302 Main Street
Catskill, NY 12414
Catskill, NY 12414
Phone Number
(518) 943-2600
Year Founded
1889
FDIC Number
Largest Affiliates
Catskill, NY
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Bank