Major Rating Factors:
A current level of 27.8 percent of nonperforming loans to core capital combined with 28.1 percent from a year earlier contributes to the Weak asset quality (1.2).
Other Rating Factors:
Very Weak liquidity 0.4, driven by a liquidity ratio of 7.3 percent and a “hot money” ratio of 43.7 percent. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (2.5 on a scale of 0 to 10).
Asset Mix:
Home mtgs (23%), comm re (20%), comm loans (14%), consumer loans (10%), securities (8%), cash (7%), home eq lns (1%), other (18%)
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
Hazard Bancorp
Investment Rating
--
Address
524 Main Street
Hazard, KY 41701
Hazard, KY 41701
Phone Number
(866) 435-2161
Year Founded
1923
FDIC Number
Website
Largest Affiliates
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