This institution is no longer active

Operations ceased on June 17, 2006. CRA examination history below reflects the period it was active.

HERITAGE BANK OF ASHLAND, INC.

ASHLAND, KY · Supervised by FDIC

Est. 1998FDIC #34,561RSSD: FDIC-34561

Satisfactory

Current rating · Exam: December 2005

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Institution Profile

FDIC BankFind

Address

735 Central Avenue, ASHLAND, KY

County

Boyd County

Established

April 6, 1998

Total Assets

$83M(latest call report)

Financial Snapshot

As of Q1 2006Call Report / FDIC

Total Assets

$83M

Total Deposits

$72M

Net Loans

$54M

Net Income

$-61K

ROA

-0.30%

ROE

-5.36%

Risk-Based Capital

9.88%

Total Assets — Last 8 Quarters

Total AssetsROA

Current Examination

CRA / FFIEC

Overall Rating

Satisfactory

Exam Date

December 1, 2005

Exam Type

Small Bank

Regulator

FDIC

Download Evaluation Report (PDF)

Rating History

CRA / FFIEC

1 previous rating locked — dating back to 2001

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Rating Over Time

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OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

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