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 (3.4 on a scale of 0 to 10). A current level of 82.7 percent of nonperforming loans to core capital combined with 127.3 percent from a year earlier contributes to the Very Weak asset quality (0.3).
Other Rating Factors:
Excellent current capitalization (7.1 on a scale of 0 to 10) and a capital leverage ratio of 9.1. Fair liquidity 3.8, driven by a liquidity ratio of 24.2 percent and a “hot money” ratio of 18.7 percent.
Asset Mix:
Securities (41%), home mtgs (8%), cash (7%), comm re (5%), consumer loans (2%), comm loans (1%), other (36%)
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
First & Peoples Bancshares, Inc.
Investment Rating
--
Address
1001 Diederich Boulevard
Russell, KY 41169
Russell, KY 41169
Phone Number
(606) 836-0211
Year Founded
1932
FDIC Number
Largest Affiliates
No affiliate information available.