Major Rating Factors:
Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 0.8 has resulted in Fair (3.8) profitability. 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).
Other Rating Factors:
Excellent current capitalization (8.0 on a scale of 0 to 10) and a capital leverage ratio of 9.7. A current level of 3.2 percent of nonperforming loans to core capital combined with 9.9 percent from a year earlier contributes to the Good asset quality (6.6).
Asset Mix:
Comm re (31%), home mtgs (25%), comm loans (11%), securities (7%), cash (6%), consumer loans (3%), home eq lns (2%), 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
24 Commerce Drive
Hazard, KY 41701
Hazard, KY 41701
Phone Number
(606) 435-2265
Year Founded
2004
FDIC Number
Website
Largest Affiliates
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