Scottsburg Building and Loan Association
Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 41.2 and a capital leverage ratio of 18.7. A current level of 1.2 percent of nonperforming loans to core capital combined with 0.8 percent from a year earlier contributes to the Excellent asset quality (10.0).
Other 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 (7.4 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.5%, coupled with a return on assets of 0.5 has resulted in Weak (2.7) profitability.
Asset Mix:
Home mtgs (51%), securities (27%), cash (4%), home eq lns (1%), comm re (1%), consumer loans (0%), other (16%)
States with Branches:
IN
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
Scottsburg B&L, MHC
Investment Rating
--
Address
306 West McClain Avenue
Scottsburg, IN 47170
Scottsburg, IN 47170
Phone Number
(812) 752-3230
Year Founded
1889
FDIC Number
Website
Largest Affiliates
No affiliate information available.