Vitals
  • Total Assets
    817.8M 6.6 %
  • Total Deposits
    707.3M 8.5 %
  • Total Net Loans
    596.5M 7.8 %
  • Net Income
    1.1M 123.1 %
  • Book Value
    92.9M 1.1 %
  • Book Value x2
    185.8M 1.1 %
  • Book Value x3
    278.7M 1.1 %
ROAA

.141

ROAE

1.198

Efficiency Ratio

92.843

Net Interest Margin

3.57

Balance Sheet Highlights
Financial Highlights Ulster Savings Bank All Insured Savings Banks in New York
Balance Sheet $(000)
Total Assets 817,813 1,351,752
Total Net Loans 596,457 1,018,087
Total Deposits 707,287 1,024,500
Total Equity 92,884 162,846
Profitability
Net Income 1,111 8,523
Return on Average Assets .141 .459
Return on Average Equity 1.198 3.522
Net Interest Margin 3.57 3.356
Efficiency Ratio 92.843 79.875
Noninterest Income/Revenue 37.312 13.416
Balance Sheet Ratios
Loan-to-Deposit 84.33 92.451
Securities/Assets .103 .086
Total Equity/Total Assets .114 .12
Tangible Equity/Tangible Assets .099 .112
Capital Adequacy
Tier 1 Common Capital 86,637 151,871
Tier 1 Capital 86,637 151,871
Tier 2 Capital 6,681 7,542
Total Capital 93,318 159,397
Total Risk Weighted Assets 530,437 882,895
Leverage Ratio 10.86 12.276
Common Equity Tier 1 Capital Ratio 16.33 19.264
Tier 1 Capital Ratio 16.33 19.264
Total Capital Ratio 17.59 20.219

Timeline for Ulster Savings Bank

Ulsterhome Mortgage

Ulsterhome Mortgage became a new subsidiary organization for Ulster Savings Bank.

View Profile Jan 01 2007

Ulster Savings Bank

Ulster Savings Bank was established 173 years ago and is currently headquartered in Kingston, NY.

Apr 13 1851
Relationships Role Relationship Start Relationship End
Ulsterhome Mortgage Subsidary 1/1/2007
Similar Organizations
Organization City State Total Assets
Bath Savings Institution
 		Bath ME 820.0M
1St Security Bank Of Washington
 		Mountlake Terrace WA 827.0M
Asheville Savings Bank, S.S.B.
 		Asheville NC 796.2M
Marquette Savings Bank
 		Erie PA 839.0M
Southstar Bank, S.S.B.
 		Moulton TX 783.7M
Greenfield Savings Bank
 		Greenfield MA 769.5M
Meredith Village Savings Bank
 		Meredith NH 823.3M
Webster Five Cents Savings Bank
 		Webster MA 745.9M
Harleysville Savings Bank
 		Harleysville PA 748.2M
Timberland Bank
 		Hoquiam WA 890.3M