Major Rating Factors:
Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.9 has resulted in Fair (4.3) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.9 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (7.2 on a scale of 0 to 10) based on a risk-based capital ratio of 13.0 and a capital leverage ratio of 9.1. A current level of 2.4 percent of nonperforming loans to core capital combined with 5.0 percent from a year earlier contributes to the Excellent asset quality (7.2).
Asset Mix:
Securities (37%), home mtgs (20%), comm loans (7%), comm re (7%), consumer loans (5%), cash (3%), home eq lns (1%), other (21%)
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
215 Mountain Parkway Spur Road
Campton, KY 41301
Campton, KY 41301
Phone Number
(606) 668-3115
Year Founded
1902
FDIC Number
Largest Affiliates
Hyden, KY
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Bank
Booneville, KY
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Bank