Vitals
  • Total Assets
    100.6M 2.3 %
  • Total Deposits
    66.8M 4.5 %
  • Total Net Loans
    64.8M 5.7 %
  • Net Income
    641000.0000 13.3 %
  • Book Value
    14.0M -10.5 %
  • Book Value x2
    27.9M -10.5 %
  • Book Value x3
    41.9M -10.5 %
ROAA

1.262

ROAE

8.803

Efficiency Ratio

57.015

Net Interest Margin

4.681

Balance Sheet Highlights
Financial Highlights Mount Sterling Bank All Insured Commercial Banks in Kentucky
Balance Sheet $(000)
Total Assets 100,602 134,475
Total Net Loans 64,781 88,620
Total Deposits 66,784 108,356
Total Equity 13,964 13,358
Profitability
Net Income 641 1,415
Return on Average Assets 1.262 1.292
Return on Average Equity 8.803 12.917
Net Interest Margin 4.681 4.081
Efficiency Ratio 57.015 63.432
Noninterest Income/Revenue 12.415 13.015
Balance Sheet Ratios
Loan-to-Deposit 97.001 79.878
Securities/Assets .201 .382
Total Equity/Total Assets .139 .099
Tangible Equity/Tangible Assets .095 .043
Capital Adequacy
Tier 1 Common Capital — —
Tier 1 Capital 9,393 13,052
Tier 2 Capital 722 1,036
Total Capital 10,115 14,091
Total Risk Weighted Assets 56,991 89,077
Leverage Ratio 9.63 9.832
Common Equity Tier 1 Capital Ratio — —
Tier 1 Capital Ratio 16.48 15.556
Total Capital Ratio 17.75 16.732

Timeline for Mount Sterling Bank

Whitaker Bank

Mount Sterling Bank was acquired by Whitaker Bank 19 years

View Profile Aug 21 2004

Whitaker Bank Corporation Of Kentucky

Whitaker Bank Corporation Of Kentucky became a new parent organization for Mount Sterling Bank.

View Profile Mar 16 1996

Mount Sterling National Holding Corporation

Mount Sterling National Holding Corporation became a new parent organization for Mount Sterling Bank.

View Profile Jun 04 1986

Mount Sterling Bank

Mount Sterling Bank was established 153 years ago and is currently headquartered in Mount Sterling, KY.

Jan 01 1871
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Whitaker Bank Buyer 1,336,466 Pooling of Interests Discontinued 8/21/2004
Relationships Role Relationship Start Relationship End
Whitaker Bank Corporation Of Kentucky Parent 3/16/1996 8/20/2004
Mount Sterling National Holding Corporation Parent 6/4/1986 3/15/1996
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