Major Rating Factors:
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). Operating profits as a percentage of assets at 0.5%, coupled with a return on assets of 0.5 has resulted in Weak (2.4) profitability.
Other Rating Factors:
Excellent current capitalization (7.3 on a scale of 0 to 10) based on a risk-based capital ratio of 16.9 and a capital leverage ratio of 9.2. A current level of 4.5 percent of nonperforming loans to core capital combined with 13.8 percent from a year earlier contributes to the Good asset quality (5.9).
Asset Mix:
Securities (43%), comm re (17%), home mtgs (13%), comm loans (6%), cash (6%), consumer loans (3%), other (11%)
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
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