Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 19.4 and a capital leverage ratio of 11.6. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.4 on a scale of 0 to 10).
Other Rating Factors:
A current level of 15.5 percent of nonperforming loans to core capital combined with 12.9 percent from a year earlier contributes to the Fair asset quality (4.4). Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.6 has resulted in Fair (3.5) profitability.
Asset Mix:
Securities (29%), home mtgs (25%), comm re (17%), consumer loans (8%), comm loans (7%), cash (5%), other (9%)
States with Branches:
KY
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
Commercial Grayson Bancshares Inc.
Investment Rating
--
Address
208 East Main Street
Grayson, KY 41143
Grayson, KY 41143
Phone Number
(606) 474-7811
Year Founded
1891
FDIC Number
Website
Largest Affiliates
No affiliate information available.