Hart County Bank and Trust Company
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 (4.3 on a scale of 0 to 10). A current level of 0.0 percent of nonperforming loans to core capital combined with 0.0 percent from a year earlier contributes to the Excellent asset quality (8.2).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 39.5 and a capital leverage ratio of 29.7. Operating profits as a percentage of assets at 2.1%, coupled with a return on assets of 2.1 has resulted in Excellent (8.3) profitability.
Asset Mix:
Comm loans (38%), comm re (33%), cash (20%), securities (4%), home mtgs (1%), consumer loans (0%), other (4%)
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
Hart Bancshares, Inc.
Investment Rating
--
Address
331 Main Street
Munfordville, KY 42765
Munfordville, KY 42765
Phone Number
(270) 524-2231
Year Founded
1890
FDIC Number
Website
Largest Affiliates
No affiliate information available.