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 (3.7 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 1.5 has resulted in Good (5.2) profitability.
Other Rating Factors:
A current level of 0.3 percent of nonperforming loans to core capital combined with 0.6 percent from a year earlier contributes to the Excellent asset quality (8.3). Good current capitalization (6.5 on a scale of 0 to 10) based on a risk-based capital ratio of 13.8 and a capital leverage ratio of 8.9.
Asset Mix:
Home mtgs (27%), securities (20%), comm re (14%), comm loans (12%), home eq lns (3%), cash (2%), consumer loans (2%), other (20%)
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
BancKentucky, Inc.
Investment Rating
--
Address
405 South 12th Street
Murray, KY 42071
Murray, KY 42071
Phone Number
(270) 753-5626
Year Founded
1999
FDIC Number
Website
Largest Affiliates
No affiliate information available.