Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 15.9 and a capital leverage ratio of 11.5. Operating profits as a percentage of assets at 1.9%, coupled with a return on assets of 1.5 has resulted in Excellent (7.0) profitability.
Other Rating Factors:
A current level of 4.5 percent of nonperforming loans to core capital combined with 1.6 percent from a year earlier contributes to the Good asset quality (6.9). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.3 on a scale of 0 to 10).
Asset Mix:
Home mtgs (39%), securities (22%), comm re (11%), cash (6%), consumer loans (3%), comm loans (2%), home eq lns (1%), other (16%)
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
Pine Knob Holdings, LLC
Investment Rating
--
Address
2020 South Highway 27
Somerset, KY 42501
Somerset, KY 42501
Phone Number
(606) 679-7451
Year Founded
1903
FDIC Number
Website
Largest Affiliates
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