Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 26.9. Operating profits as a percentage of assets at 2.3%, coupled with a return on assets of 1.9 has resulted in Excellent (9.2) profitability.
Other Rating Factors:
A current level of 0.6 percent of nonperforming loans to core capital combined with 0.8 percent from a year earlier contributes to the Excellent asset quality (8.7). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (7.0 on a scale of 0 to 10).
Asset Mix:
Securities (46%), home mtgs (17%), cash (10%), consumer loans (8%), comm re (2%), comm loans (1%), other (16%)
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
Investment Rating
--
Address
123 Main Street, North
McKee, KY 40447
McKee, KY 40447
Phone Number
(606) 287-8484
Year Founded
1904
FDIC Number
Website
Largest Affiliates
No affiliate information available.