| Weiss Ratings |
The Putnam County National Bank of Carmel
Carmel, NY |
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| Rating | ||||
| Asset Quality Index | 7.60 | |||
| Capitalization Index | 10.00 | |||
| Liquidity Index | 1.30 | |||
| Profitability Index | 6.60 | |||
| Stability Index | 5.00 | |||
| 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 | 5.27% | |||
| 5-Year Asset Growth | -0.71% | |||
| 5-Year Charge-Offs to Average Loans | -0.06% | |||
| Charge-Offs to Average Loans | 0.00% | |||
| Non-Performing Assets to Assets | 1.75% | |||
| Non-Performing Loans to Capital | 3.37% | |||
| Non-Performing Loans to Loans | 2.13% | |||
| Balance Sheet |
The Putnam County National Bank of Carmel
Carmel, NY |
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| Total Assets | 182.71M | |||
| Total Deposits | 135.23M | |||
| Capital and Reserves |
The Putnam County National Bank of Carmel
Carmel, NY |
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| Capital | 46.35M | |||
| Leverage Ratio | 26.77 | |||
| Loan Loss Reserves to Loans | 1.42% | |||
| Risk-Based Capital Ratio | -- | |||
| Liquidity |
The Putnam County National Bank of Carmel
Carmel, NY |
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| Hot Money Ratio | 7.39% | |||
| Liquidity Ratio | 32.29% | |||
| Profitability |
The Putnam County National Bank of Carmel
Carmel, NY |
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| 5-Year Return on Average Assets | 0.89% | |||
| Net Income | 1.16M | |||
| Net Interest Spread | 4.06% | |||
| Operating Profit to Average Assets | 1.75% | |||
| Overhead Efficiency Ratio | 62.97% | |||
| Return on Assets | 1.33% | |||
| Return on Equity | 5.05% | |||