Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.3 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 1.3 has resulted in Good (5.3) profitability.
Other Rating Factors:
A current level of 0.8 percent of nonperforming loans to core capital combined with 2.0 percent from a year earlier contributes to the Excellent asset quality (8.0). Good current capitalization (6.7 on a scale of 0 to 10) based on a risk-based capital ratio of 11.2 and a capital leverage ratio of 8.7.
Asset Mix:
Home mtgs (28%), comm re (18%), securities (9%), comm loans (7%), home eq lns (6%), cash (3%), consumer loans (2%), other (27%)
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
Farmers Bancorp, Inc. of Marion, Kentucky
Investment Rating
--
Address
201 South Main Street
Marion, KY 42064
Marion, KY 42064
Phone Number
(270) 965-3106
Year Founded
1899
FDIC Number
Website
Largest Affiliates
No affiliate information available.