Major Rating Factors:
Operating profits as a percentage of assets at 0.4%, coupled with a return on assets of 0.3 has resulted in Weak (2.1) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.1 on a scale of 0 to 10).
Other Rating Factors:
A current level of 2.5 percent of nonperforming loans to core capital combined with 5.0 percent from a year earlier contributes to the Excellent asset quality (7.3). Good current capitalization (6.9 on a scale of 0 to 10) based on a risk-based capital ratio of 18.4 and a capital leverage ratio of 8.9.
Asset Mix:
Home mtgs (44%), securities (20%), comm re (18%), cash (6%), comm loans (1%), home eq lns (1%), consumer loans (1%), other (8%)
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
NBC Bancorp, Inc.
Investment Rating
--
Address
3-7 Reed Street
Coxsackie, NY 12051
Coxsackie, NY 12051
Phone Number
(518) 731-6161
Year Founded
1852
FDIC Number
Website
Largest Affiliates
No affiliate information available.