Major Rating Factors:
Excellent current capitalization (9.0 on a scale of 0 to 10) based on a risk-based capital ratio of 17.4 and a capital leverage ratio of 10.3. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.5 on a scale of 0 to 10).
Other Rating Factors:
A current level of 4.1 percent of nonperforming loans to core capital combined with 5.4 percent from a year earlier contributes to the Excellent asset quality (7.1). Operating profits as a percentage of assets at 1.9%, coupled with a return on assets of 1.4 has resulted in Good (6.8) profitability.
Asset Mix:
Cash (15%), securities (14%), consumer loans (4%), comm loans (4%), home mtgs (3%), comm re (1%), other (60%)
States with Branches:
MA, NJ, NY, UT
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
The Goldman Sachs Group, Inc.
Investment Rating
Address
200 West Street
New York, NY 10282
New York, NY 10282
Phone Number
(212) 902-1000
Year Founded
1990
FDIC Number
Website
Largest Affiliates
New York, NY
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Bank