Cross County Savings Bank
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 Fair (3.2) profitability. A current level of 5.8 percent of nonperforming loans to core capital combined with 4.2 percent from a year earlier contributes to the Excellent asset quality (7.3).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 20.4 and a capital leverage ratio of 12.2. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.3 on a scale of 0 to 10).
Asset Mix:
Home mtgs (50%), comm re (16%), cash (11%), securities (6%), home eq lns (5%), other (13%)
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
Investment Rating
--
Address
79-21 Metropolitan Avenue
Middle Village, NY 11379
Middle Village, NY 11379
Phone Number
(718) 326-6300
Year Founded
1888
FDIC Number
Website
Largest Affiliates
No affiliate information available.