Peoples Bank of Kentucky, Inc.
Major Rating Factors:
A current level of 16.8 percent of nonperforming loans to core capital combined with 11.2 percent from a year earlier contributes to the Fair asset quality (4.2). Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 0.5 has resulted in Weak (2.4) profitability.
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 17.5 and a capital leverage ratio of 11.1. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.3 on a scale of 0 to 10).
Asset Mix:
Home mtgs (22%), securities (14%), cash (13%), comm re (11%), comm loans (6%), consumer loans (2%), other (32%)
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
Peoples of Fleming County Bancorp, Inc.
Investment Rating
--
Address
106 South Main Cross Street
Flemingsburg, KY 41041
Flemingsburg, KY 41041
Phone Number
(606) 845-2461
Year Founded
1906
FDIC Number
Website
Largest Affiliates
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