Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 25.6 and a capital leverage ratio of 12.1. Operating profits as a percentage of assets at 2.6%, coupled with a return on assets of 2.2 has resulted in Excellent (9.4) profitability.
Other Rating Factors:
A current level of 5.9 percent of nonperforming loans to core capital combined with 3.0 percent from a year earlier contributes to the Excellent asset quality (7.2). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.2 on a scale of 0 to 10).
Asset Mix:
Securities (35%), home mtgs (24%), cash (14%), comm re (11%), comm loans (2%), home eq lns (2%), consumer loans (1%), other (10%)
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
Millbrook Bank System, Inc.
Investment Rating
--
Address
3263 Franklin Avenue
Millbrook, NY 12545
Millbrook, NY 12545
Phone Number
(845) 677-5321
Year Founded
1891
FDIC Number
Website
Largest Affiliates
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