Traditional Bank, Inc.
Major Rating Factors:
Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 0.7 has resulted in Fair (3.7) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.2 on a scale of 0 to 10).
Other Rating Factors:
A current level of 1.1 percent of nonperforming loans to core capital combined with 1.6 percent from a year earlier contributes to the Excellent asset quality (9.1). Excellent current capitalization (8.8 on a scale of 0 to 10) based on a risk-based capital ratio of 15.0 and a capital leverage ratio of 10.2.
Asset Mix:
Securities (29%), home mtgs (22%), comm re (22%), comm loans (4%), cash (3%), home eq lns (2%), consumer loans (0%), other (17%)
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
Traditional Bancorporation, Inc.
Investment Rating
--
Address
49 West Main Street
Mount Sterling, KY 40353
Mount Sterling, KY 40353
Phone Number
(859) 498-0414
Year Founded
1902
FDIC Number
Website
Largest Affiliates
No affiliate information available.