Major Rating Factors:
Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.7 has resulted in Fair (3.9) profitability. A current level of 9.9 percent of nonperforming loans to core capital combined with 1.6 percent from a year earlier contributes to the Good asset quality (5.6).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 23.0 and a capital leverage ratio of 16.8. 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).
Asset Mix:
Home mtgs (20%), securities (20%), comm loans (6%), comm re (5%), consumer loans (4%), cash (2%), home eq lns (1%), other (43%)
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
Clinton Bancorp, Inc.
Investment Rating
--
Address
220 East Clay Street
Clinton, KY 42031
Clinton, KY 42031
Phone Number
(270) 653-4001
Year Founded
1887
FDIC Number
Website
Largest Affiliates
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