Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 11.9. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.3 on a scale of 0 to 10).
Other Rating Factors:
A current level of 13.8 percent of nonperforming loans to core capital combined with 11.6 percent from a year earlier contributes to the Good asset quality (5.5). Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 0.9 has resulted in Fair (4.3) profitability.
Asset Mix:
Home mtgs (38%), securities (20%), cash (10%), comm loans (9%), comm re (7%), consumer loans (3%), other (13%)
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
Fredonia Valley Bancorp, Inc.
Investment Rating
--
Address
602 Cassidy Avenue
Fredonia, KY 42411
Fredonia, KY 42411
Phone Number
(270) 545-3301
Year Founded
1895
FDIC Number
Largest Affiliates
No affiliate information available.