Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 20.8 and a capital leverage ratio of 11.2. A current level of 1.5 percent of nonperforming loans to core capital combined with 0.9 percent from a year earlier contributes to the Excellent asset quality (8.7).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.6 on a scale of 0 to 10). Weak liquidity 2.4, driven by a liquidity ratio of 30.7 percent and a “hot money” ratio of 39.8 percent.
Asset Mix:
Home mtgs (23%), securities (21%), comm re (12%), cash (11%), comm loans (3%), consumer loans (1%), other (29%)
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
499 Park Avenue
New York, NY 10022
New York, NY 10022
Phone Number
(212) 652-7200
Year Founded
2000
FDIC Number
Website
Largest Affiliates
No affiliate information available.