Major Rating Factors:
A current level of 23.8 percent of nonperforming loans to core capital combined with 18.6 percent from a year earlier contributes to the Weak asset quality (1.5). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.0 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 12.6 and a capital leverage ratio of 8.6. Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 1.4 has resulted in Good (5.8) profitability.
Asset Mix:
Home mtgs (52%), comm re (10%), consumer loans (9%), comm loans (7%), cash (4%), securities (3%), 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
No affiliate information available.