The Peoples Bank
Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 20.5 and a capital leverage ratio of 12.0. Operating profits as a percentage of assets at 2.0%, coupled with a return on assets of 2.0 has resulted in Excellent (8.4) profitability.
Other Rating Factors:
A current level of 3.3 percent of nonperforming loans to core capital combined with 4.0 percent from a year earlier contributes to the Excellent asset quality (7.4). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.7 on a scale of 0 to 10).
Asset Mix:
Home mtgs (27%), securities (25%), home eq lns (8%), cash (5%), comm re (5%), comm loans (2%), consumer loans (2%), other (25%)
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
Lake Valley Bancorp, Inc.
Investment Rating
--
Address
23 West Main Street
Taylorsville, KY 40071
Taylorsville, KY 40071
Phone Number
(502) 477-2244
Year Founded
1903
FDIC Number
Website
Largest Affiliates
No affiliate information available.