Monticello Banking Company
Major Rating Factors:
A current level of 3.1 percent of nonperforming loans to core capital combined with 0.9 percent from a year earlier contributes to the Excellent asset quality (8.4). Excellent current capitalization (8.3 on a scale of 0 to 10) and a capital leverage ratio of 9.8.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.7 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 1.1 has resulted in Fair (4.9) profitability.
Asset Mix:
Home mtgs (23%), comm re (21%), securities (19%), cash (4%), home eq lns (3%), comm loans (3%), consumer loans (2%), other (25%)
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
Monticello Bankshares, Inc.
Investment Rating
--
Address
50 North Main Street
Monticello, KY 42633
Monticello, KY 42633
Phone Number
(606) 348-8411
Year Founded
1895
FDIC Number
Website
Largest Affiliates
No affiliate information available.