Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 26.1. Operating profits as a percentage of assets at 2.2%, coupled with a return on assets of 1.8 has resulted in Excellent (9.3) profitability.
Other Rating Factors:
A current level of 0.5 percent of nonperforming loans to core capital combined with 1.0 percent from a year earlier contributes to the Excellent asset quality (8.8). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.0 on a scale of 0 to 10).
Asset Mix:
Securities (44%), home mtgs (16%), cash (15%), consumer loans (7%), comm re (2%), comm loans (1%), 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
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.