Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 26.8 and a capital leverage ratio of 11.3. A current level of 2.3 percent of nonperforming loans to core capital combined with 2.6 percent from a year earlier contributes to the Excellent asset quality (8.9).
Other Rating Factors:
Operating profits as a percentage of assets at 2.3%, coupled with a return on assets of 1.7 has resulted in Excellent (7.8) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.4 on a scale of 0 to 10).
Asset Mix:
Securities (36%), home mtgs (25%), cash (13%), comm re (12%), consumer loans (2%), comm loans (2%), home eq lns (1%), 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
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
No affiliate information available.