Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.9 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.5%, coupled with a return on assets of 0.4 has resulted in Weak (2.4) profitability.
Other Rating Factors:
Excellent current capitalization (7.0 on a scale of 0 to 10) based on a risk-based capital ratio of 16.8 and a capital leverage ratio of 9.0. A current level of 7.8 percent of nonperforming loans to core capital combined with 5.4 percent from a year earlier contributes to the Good asset quality (5.7).
Asset Mix:
Home mtgs (57%), securities (14%), comm re (6%), cash (4%), comm loans (2%), consumer loans (1%), home eq lns (1%), other (14%)
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
Maple City Savings, MHC
Investment Rating
--
Address
145 Main Street
Hornell, NY 14843
Hornell, NY 14843
Phone Number
(607) 324-1822
Year Founded
1906
FDIC Number
Website
Largest Affiliates
No affiliate information available.