Major Rating Factors:
Excellent current capitalization (9.0 on a scale of 0 to 10) based on a risk-based capital ratio of 14.8 and a capital leverage ratio of 10.3. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.3 on a scale of 0 to 10).
Other Rating Factors:
A current level of 2.6 percent of nonperforming loans to core capital combined with 8.7 percent from a year earlier contributes to the Excellent asset quality (7.2). Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 1.0 has resulted in Fair (4.6) profitability.
Asset Mix:
Home mtgs (22%), securities (20%), consumer loans (15%), comm re (14%), comm loans (9%), cash (2%), 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
Community Financial Services, Inc.
Investment Rating
--
Address
221 West Fifth Street
Benton, KY 42025
Benton, KY 42025
Phone Number
(270) 527-4600
Year Founded
1890
FDIC Number
Website
Largest Affiliates
There are no affiliate to display.