Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 18.9 and a capital leverage ratio of 11.0. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.6 on a scale of 0 to 10).
Other Rating Factors:
Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 1.0 has resulted in Fair (4.9) profitability. A current level of 16.4 percent of nonperforming loans to core capital combined with 13.8 percent from a year earlier contributes to the Fair asset quality (4.3).
Asset Mix:
Securities (28%), home mtgs (28%), comm re (17%), consumer loans (8%), comm loans (7%), cash (5%), other (7%)
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
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