Major Rating Factors:
Excellent current capitalization (8.6 on a scale of 0 to 10) and a capital leverage ratio of 10.1. A current level of 4.3 percent of nonperforming loans to core capital combined with 0.5 percent from a year earlier contributes to the Excellent asset quality (7.7).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.6 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 1.1 has resulted in Good (5.0) profitability.
Asset Mix:
Comm re (24%), comm loans (18%), home mtgs (17%), securities (14%), cash (10%), home eq lns (5%), consumer loans (0%), other (10%)
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
Greater Rochester Bancorp, Inc.
Investment Rating
--
Address
1850 South Winton Road
Rochester, NY 14618
Rochester, NY 14618
Phone Number
(585) 249-1540
Year Founded
1985
FDIC Number
Website
Largest Affiliates
No affiliate information available.