Major Rating Factors:
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. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.4 on a scale of 0 to 10).
Other Rating Factors:
Good current capitalization (6.2 on a scale of 0 to 10) based on a risk-based capital ratio of 13.9 and a capital leverage ratio of 8.8. A current level of 3.7 percent of nonperforming loans to core capital combined with 5.2 percent from a year earlier contributes to the Good asset quality (6.2).
Asset Mix:
Home mtgs (42%), securities (16%), comm re (11%), comm loans (7%), cash (2%), home eq lns (2%), consumer loans (1%), other (20%)
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
Wallkill Valley Bancorp MHC
Investment Rating
--
Address
23 Wallkill Avenue
Wallkill, NY 12589
Wallkill, NY 12589
Phone Number
(845) 895-2051
Year Founded
1913
FDIC Number
Website
Largest Affiliates
No affiliate information available.