Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (9.9 on a scale of 0 to 10). Excellent current capitalization (9.8 on a scale of 0 to 10) based on a risk-based capital ratio of 19.6 and a capital leverage ratio of 10.9.
Other Rating Factors:
A current level of 3.4 percent of nonperforming loans to core capital combined with 2.9 percent from a year earlier contributes to the Good asset quality (7.0). Fair liquidity 4.2, driven by a liquidity ratio of 29.6 percent and a “hot money” ratio of 9.7 percent.
Asset Mix:
Home mtgs (25%), comm re (19%), securities (18%), cash (16%), comm loans (6%), consumer loans (2%), home eq lns (2%), 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
First Southern Bancorp, Inc.
Investment Rating
--
Address
27 Public Square
Lancaster, KY 40444
Lancaster, KY 40444
Phone Number
(859) 792-2134
Year Founded
1865
FDIC Number
Website
Largest Affiliates
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