Major Rating Factors:
A current level of 21.2 percent of nonperforming loans to core capital combined with 1.2 percent from a year earlier contributes to the Weak asset quality (2.9). Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 1.1 has resulted in Good (5.4) profitability.
Other Rating Factors:
Excellent current capitalization (7.4 on a scale of 0 to 10) and a capital leverage ratio of 9.2. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.5 on a scale of 0 to 10).
Asset Mix:
Comm re (25%), home mtgs (23%), comm loans (20%), securities (11%), home eq lns (4%), cash (3%), consumer loans (1%), 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
King Harris Bancorp, Inc
Investment Rating
--
Address
265 Old Springfield Road
Lebanon, KY 40033
Lebanon, KY 40033
Phone Number
(270) 692-1137
Year Founded
1910
FDIC Number
Website
Largest Affiliates
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