| Weiss Ratings |
The Putnam County National Bank of Carmel
Carmel, NY |
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| Rating | ||||
| Asset Quality Index | 7.10 | |||
| Capitalization Index | 10.00 | |||
| Liquidity Index | 1.10 | |||
| Profitability Index | 6.10 | |||
| Stability Index | 4.30 | |||
| 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 | 1.17% | |||
| 5-Year Asset Growth | -0.71% | |||
| 5-Year Charge-Offs to Average Loans | 0.00% | |||
| Charge-Offs to Average Loans | -0.36% | |||
| Non-Performing Assets to Assets | 1.92% | |||
| Non-Performing Loans to Capital | 3.71% | |||
| Non-Performing Loans to Loans | 2.35% | |||
| Balance Sheet |
The Putnam County National Bank of Carmel
Carmel, NY |
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| Total Assets | 173.82M | |||
| Total Deposits | 127.68M | |||
| Capital and Reserves |
The Putnam County National Bank of Carmel
Carmel, NY |
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| Capital | 45.20M | |||
| Leverage Ratio | 25.96 | |||
| Loan Loss Reserves to Loans | 1.66% | |||
| Risk-Based Capital Ratio | -- | |||
| Liquidity |
The Putnam County National Bank of Carmel
Carmel, NY |
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| Hot Money Ratio | 7.86% | |||
| Liquidity Ratio | 31.33% | |||
| Profitability |
The Putnam County National Bank of Carmel
Carmel, NY |
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| 5-Year Return on Average Assets | 0.80% | |||
| Net Income | 2.04M | |||
| Net Interest Spread | 4.30% | |||
| Operating Profit to Average Assets | 1.54% | |||
| Overhead Efficiency Ratio | 63.95% | |||
| Return on Assets | 1.17% | |||
| Return on Equity | 4.64% | |||