Major Rating Factors:
Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 1.0 has resulted in Fair (4.7) profitability. 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).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 23.3 and a capital leverage ratio of 14.0. A current level of 4.0 percent of nonperforming loans to core capital contributes to the Excellent asset quality (7.1).
Asset Mix:
Cash (41%), comm re (26%), comm loans (2%), home mtgs (2%), securities (1%), consumer loans (0%), other (26%)
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
Independent Community Bancorp, Inc.
Investment Rating
--
Address
107 Progress Drive
Frankfort, KY 40601
Frankfort, KY 40601
Phone Number
(502) 695-3000
Year Founded
1988
FDIC Number
Website
Largest Affiliates
No affiliate information available.