Major Rating Factors:
Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 1.0 has resulted in Fair (4.2) profitability. A current level of 23.7 percent of nonperforming loans to core capital combined with 2.5 percent from a year earlier contributes to the Weak asset quality (1.6).
Other Rating Factors:
Excellent current capitalization (8.1 on a scale of 0 to 10) based on a risk-based capital ratio of 15.6 and a capital leverage ratio of 9.7. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.8 on a scale of 0 to 10).
Asset Mix:
Home mtgs (28%), comm re (19%), securities (11%), comm loans (11%), cash (7%), consumer loans (5%), other (20%)
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
John R Turner Holding Company
Investment Rating
--
Address
720 Highway 15 South
Jackson, KY 41339
Jackson, KY 41339
Phone Number
(606) 666-7575
Year Founded
1962
FDIC Number
Largest Affiliates
There are no affiliate to display.