Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 13.0. Operating profits as a percentage of assets at 2.5%, coupled with a return on assets of 1.8 has resulted in Excellent (9.7) profitability.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.2 on a scale of 0 to 10). A current level of 4.6 percent of nonperforming loans to core capital combined with 7.9 percent from a year earlier contributes to the Good asset quality (6.1).
Asset Mix:
Securities (24%), home mtgs (22%), comm re (15%), cash (9%), consumer loans (9%), comm loans (5%), 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
First Grayson Bancorp, Inc.
Investment Rating
--
Address
200 South Carol Malone Boulevard
Grayson, KY 41143
Grayson, KY 41143
Phone Number
(606) 474-2000
Year Founded
1902
FDIC Number
Website
Largest Affiliates
There are no affiliate to display.