Major 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 (8.0 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 15.2. A current level of 0.6 percent of nonperforming loans to core capital combined with 1.1 percent from a year earlier contributes to the Excellent asset quality (9.4).
Asset Mix:
Home mtgs (80%), securities (7%), cash (2%), home eq lns (2%), other (9%)
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
Westvale Plaza
Syracuse, NY 13219
Syracuse, NY 13219
Phone Number
(315) 468-6281
Year Founded
1948
FDIC Number
Website
Largest Affiliates
No affiliate information available.