Major 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 (5.7 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 1.1 has resulted in Good (5.7) profitability.
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 25.5. A current level of 2.7 percent of nonperforming loans to core capital combined with 1.5 percent from a year earlier contributes to the Excellent asset quality (7.5).
Asset Mix:
Home mtgs (27%), cash (27%), comm re (26%), securities (6%), consumer loans (0%), comm loans (0%), other (13%)
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
43 Gleneida Avenue
Carmel, NY 10512
Carmel, NY 10512
Phone Number
(845) 225-3688
Year Founded
1865
FDIC Number
Website
Largest Affiliates
No affiliate information available.