Major Rating Factors:
Excellent current capitalization (8.6 on a scale of 0 to 10) based on a risk-based capital ratio of 27.7 and a capital leverage ratio of 12.9. A current level of 0.2 percent of nonperforming loans to core capital combined with 0.1 percent from a year earlier contributes to the Excellent asset quality (7.9).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.1 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 1.2 has resulted in Good (5.5) profitability.
Asset Mix:
Securities (32%), cash (18%), home mtgs (15%), comm re (7%), comm loans (2%), consumer loans (2%), other (24%)
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
Elkton Bancorp, Inc.
Investment Rating
--
Address
30 Public Square
Elkton, KY 42220
Elkton, KY 42220
Phone Number
(270) 265-9841
Year Founded
1866
FDIC Number
Largest Affiliates
No affiliate information available.