United Citizens Bank & 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 8.6 percent of nonperforming loans to core capital combined with 1.2 percent from a year earlier contributes to the Good asset quality (5.5).
Other Rating Factors:
Excellent current capitalization (8.1 on a scale of 0 to 10) and a capital leverage ratio of 9.7. Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 0.9 has resulted in Good (5.6) profitability.
Asset Mix:
Home mtgs (31%), securities (11%), comm re (9%), home eq lns (4%), comm loans (2%), cash (2%), consumer loans (1%), other (39%)
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
United Citizens Financial Corporation
Investment Rating
--
Address
8198 Main Street
Campbellsburg, KY 40011
Campbellsburg, KY 40011
Phone Number
(502) 532-7392
Year Founded
1872
FDIC Number
Largest Affiliates
No affiliate information available.