Major Rating Factors:
Operating profits as a percentage of assets at 0.7%, coupled with a return on assets of 0.7 has resulted in Fair (3.6) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.5 on a scale of 0 to 10).
Other Rating Factors:
A current level of 1.5 percent of nonperforming loans to core capital combined with 4.4 percent from a year earlier contributes to the Excellent asset quality (8.2). Good current capitalization (6.8 on a scale of 0 to 10) based on a risk-based capital ratio of 12.6 and a capital leverage ratio of 8.8.
Asset Mix:
Securities (35%), home mtgs (21%), comm re (8%), comm loans (4%), consumer loans (3%), cash (3%), home eq lns (2%), other (22%)
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
Middlefork Financial Group Inc.
Investment Rating
--
Address
22023 Main Street
Hyden, KY 41749
Hyden, KY 41749
Phone Number
(606) 672-2344
Year Founded
1904
FDIC Number
Website
Largest Affiliates
Campton, KY
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Bank
Booneville, KY
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Bank