Major Rating Factors:
A current level of 20.6 percent of nonperforming loans to core capital combined with 17.9 percent from a year earlier contributes to the Weak asset quality (1.9). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.4 on a scale of 0 to 10).
Other Rating Factors:
Good current capitalization (6.6 on a scale of 0 to 10) based on a risk-based capital ratio of 12.5 and a capital leverage ratio of 8.7. Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 1.5 has resulted in Good (6.0) profitability.
Asset Mix:
Home mtgs (53%), comm re (11%), consumer loans (9%), comm loans (7%), securities (2%), cash (2%), home eq lns (2%), other (14%)
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
Citizens Guaranty Financial Corporation
Investment Rating
--
Address
457 East Main street
Richmond, KY 40475
Richmond, KY 40475
Phone Number
(606) 723-2139
Year Founded
1972
FDIC Number
Website
Largest Affiliates
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