Major Rating Factors:
A current level of 10.3 percent of nonperforming loans to core capital combined with 8.9 percent from a year earlier contributes to the Fair asset quality (4.5). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.1 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 16.2 and a capital leverage ratio of 9.1. Fair liquidity 3.1, driven by a liquidity ratio of 25.8 percent and a “hot money” ratio of 39.9 percent.
Asset Mix:
Securities (43%), home mtgs (16%), comm re (16%), cash (5%), comm loans (5%), consumer loans (2%), other (14%)
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 Exchange Bancshares Inc.
Investment Rating
--
Address
1362 Hindman Bypass
Hindman, KY 41822
Hindman, KY 41822
Phone Number
(606) 785-3158
Year Founded
1903
FDIC Number
Website
Largest Affiliates
No affiliate information available.