Major Rating Factors:
A current level of 2.8 percent of nonperforming loans to core capital combined with 1.9 percent from a year earlier contributes to the Excellent asset quality (7.0). Good current capitalization (7.0 on a scale of 0 to 10) based on a risk-based capital ratio of 15.1 and a capital leverage ratio of 9.0.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.5 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 0.8 has resulted in Fair (4.0) profitability.
Asset Mix:
Comm re (40%), cash (31%), securities (8%), home mtgs (7%), comm loans (1%), consumer loans (0%), other (12%)
States with Branches:
CA, 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
Maham Beteiligungsgesellschaft AG
Investment Rating
--
Address
150 East 45th Street
New York, NY 10017
New York, NY 10017
Phone Number
(212) 532-4444
Year Founded
1983
FDIC Number
Website
Largest Affiliates
No affiliate information available.