| Weiss Ratings |
The Putnam County National Bank of Carmel
Carmel, NY |
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| Rating | ||||
| Asset Quality Index | 7.50 | |||
| Capitalization Index | 10.00 | |||
| Liquidity Index | 2.10 | |||
| Profitability Index | 5.70 | |||
| Stability Index | 5.70 | |||
| Company Info |
The Putnam County National Bank of Carmel
Carmel, NY |
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| FDIC Number | 6990 | |||
| Phone Number | (845) 225-3688 | |||
| Website | www.pcnb.biz | |||
| Asset Quality |
The Putnam County National Bank of Carmel
Carmel, NY |
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| 1-Year Asset Growth | 2.01% | |||
| 5-Year Asset Growth | 1.96% | |||
| 5-Year Charge-Offs to Average Loans | 0.00% | |||
| Charge-Offs to Average Loans | -0.22% | |||
| Non-Performing Assets to Assets | 2.11% | |||
| Non-Performing Loans to Capital | 2.72% | |||
| Non-Performing Loans to Loans | 2.80% | |||
| Balance Sheet |
The Putnam County National Bank of Carmel
Carmel, NY |
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| Total Assets | 186.02M | |||
| Total Deposits | 140.28M | |||
| Capital and Reserves |
The Putnam County National Bank of Carmel
Carmel, NY |
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| Capital | 44.40M | |||
| Leverage Ratio | 25.45 | |||
| Loan Loss Reserves to Loans | 1.43% | |||
| Risk-Based Capital Ratio | -- | |||
| Liquidity |
The Putnam County National Bank of Carmel
Carmel, NY |
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| Hot Money Ratio | 7.01% | |||
| Liquidity Ratio | 34.89% | |||
| Profitability |
The Putnam County National Bank of Carmel
Carmel, NY |
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| 5-Year Return on Average Assets | 0.80% | |||
| Net Income | 1.46M | |||
| Net Interest Spread | 4.02% | |||
| Operating Profit to Average Assets | 1.47% | |||
| Overhead Efficiency Ratio | 63.13% | |||
| Return on Assets | 1.12% | |||
| Return on Equity | 4.46% | |||