Major Rating Factors:
Good current capitalization (6.6 on a scale of 0 to 10) based on a risk-based capital ratio of 13.2 and a capital leverage ratio of 8.6. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.4 on a scale of 0 to 10).
Other Rating Factors:
A current level of 3.1 percent of nonperforming loans to core capital combined with 5.1 percent from a year earlier contributes to the Good asset quality (5.8). Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 1.0 has resulted in Fair (4.7) profitability.
Asset Mix:
Securities (21%), comm re (19%), home mtgs (17%), comm loans (9%), cash (8%), consumer loans (7%), home eq lns (2%), 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
Pine Knob Holdings, LLC
Investment Rating
--
Address
101 East Broadway
Mayfield, KY 42066
Mayfield, KY 42066
Phone Number
(270) 247-1758
Year Founded
1875
FDIC Number
Website
Largest Affiliates
No affiliate information available.