Major Rating Factors:
A current level of 13.7 percent of nonperforming loans to core capital combined with 13.7 percent from a year earlier contributes to the Fair asset quality (5.0). Operating profits as a percentage of assets at 1.7%, coupled with a return on assets of 1.2 has resulted in Good (6.2) profitability.
Other Rating Factors:
Excellent current capitalization (8.5 on a scale of 0 to 10) based on a risk-based capital ratio of 18.9 and a capital leverage ratio of 10.0. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.4 on a scale of 0 to 10).
Asset Mix:
Securities (22%), comm re (22%), home mtgs (21%), cash (15%), comm loans (7%), home eq lns (2%), consumer loans (0%), other (11%)
States with Branches:
FL, 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 East 54th Street
New York, NY 10022
New York, NY 10022
Phone Number
(212) 833-1000
Year Founded
1983
FDIC Number
Website
Largest Affiliates
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