Bank of Edmonson County
Major Rating Factors:
Excellent current capitalization (8.9 on a scale of 0 to 10) based on a risk-based capital ratio of 17.7 and a capital leverage ratio of 10.3. Operating profits as a percentage of assets at 1.6%, coupled with a return on assets of 1.5 has resulted in Good (6.5) profitability.
Other Rating Factors:
A current level of 5.3 percent of nonperforming loans to core capital combined with 14.5 percent from a year earlier contributes to the Good asset quality (5.4). 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).
Asset Mix:
Home mtgs (31%), securities (23%), comm re (11%), home eq lns (6%), consumer loans (2%), cash (2%), comm loans (2%), other (24%)
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
Edmonson Bancshares, Inc
Investment Rating
--
Address
109 North Main Street
Brownsville, KY 42210
Brownsville, KY 42210
Phone Number
(270) 597-2175
Year Founded
1925
FDIC Number
Website
Largest Affiliates
No affiliate information available.