The Salyersville National Bank
Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 24.1 and a capital leverage ratio of 13.4. A current level of 0.7 percent of nonperforming loans to core capital combined with 0.6 percent from a year earlier contributes to the Excellent asset quality (9.0).
Other Rating Factors:
Operating profits as a percentage of assets at 1.9%, coupled with a return on assets of 1.5 has resulted in Excellent (7.4) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.7 on a scale of 0 to 10).
Asset Mix:
Securities (28%), comm re (24%), home mtgs (14%), cash (12%), comm loans (2%), consumer loans (1%), other (19%)
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
SNB Bancorp, Inc.
Investment Rating
--
Address
43 East Maple Street
Salyersville, KY 41465
Salyersville, KY 41465
Phone Number
(606) 349-3131
Year Founded
1902
FDIC Number
Website
Largest Affiliates
No affiliate information available.