United Cumberland Bank
Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 11.4. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.2 on a scale of 0 to 10).
Other Rating Factors:
Operating profits as a percentage of assets at 1.8%, coupled with a return on assets of 1.8 has resulted in Excellent (7.8) profitability. A current level of 7.5 percent of nonperforming loans to core capital combined with 11.3 percent from a year earlier contributes to the Good asset quality (5.4).
Asset Mix:
Home mtgs (30%), securities (17%), comm re (15%), cash (9%), consumer loans (6%), comm loans (5%), home eq lns (1%), other (17%)
States with Branches:
KY, TN
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
McCreary Bancshares Inc.
Investment Rating
--
Address
47 South Main Street
Whitley City, KY 42653
Whitley City, KY 42653
Phone Number
(606) 376-5031
Year Founded
1906
FDIC Number
Website
Largest Affiliates
No affiliate information available.