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 (5.0 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.6%, coupled with a return on assets of 1.6 has resulted in Good (6.1) profitability.
Other Rating Factors:
A current level of 0.3 percent of nonperforming loans to core capital combined with 1.3 percent from a year earlier contributes to the Excellent asset quality (8.6). Excellent current capitalization (7.7 on a scale of 0 to 10) and a capital leverage ratio of 9.5.
Asset Mix:
Comm re (33%), securities (18%), home mtgs (12%), comm loans (4%), cash (3%), home eq lns (3%), consumer loans (1%), 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
United Bancorp of Princeton, Inc.
Investment Rating
--
Address
111 West Washington Street
Princeton, KY 42445
Princeton, KY 42445
Phone Number
(270) 365-5526
Year Founded
1900
FDIC Number
Website
Largest Affiliates
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