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 1.4%, coupled with a return on assets of 1.4 has resulted in Good (5.7) profitability.
Other Rating Factors:
A current level of 0.8 percent of nonperforming loans to core capital combined with 0.2 percent from a year earlier contributes to the Excellent asset quality (8.6). Excellent current capitalization (7.8 on a scale of 0 to 10) and a capital leverage ratio of 9.5.
Asset Mix:
Comm re (32%), securities (18%), home mtgs (13%), comm loans (3%), home eq lns (3%), cash (2%), consumer loans (1%), other (27%)
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
No affiliate information available.