Major Rating Factors:
Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 1.1 has resulted in Fair (5.0) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.3 on a scale of 0 to 10).
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 4.7 percent of nonperforming loans to core capital combined with 4.9 percent from a year earlier contributes to the Good asset quality (6.7).
Asset Mix:
Comm re (28%), home mtgs (28%), cash (21%), securities (7%), consumer loans (0%), comm loans (0%), other (16%)
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.