Monticello Banking Company
Major Rating Factors:
A current level of 2.7 percent of nonperforming loans to core capital combined with 1.3 percent from a year earlier contributes to the Excellent asset quality (8.5). Excellent current capitalization (7.9 on a scale of 0 to 10) and a capital leverage ratio of 9.6.
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 (6.8 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 1.0 has resulted in Fair (4.5) profitability.
Asset Mix:
Home mtgs (24%), comm re (21%), securities (19%), home eq lns (3%), comm loans (3%), cash (2%), consumer loans (2%), other (27%)
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.