Major Rating Factors:
A current level of 54.1 percent of nonperforming loans to core capital combined with 29.8 percent from a year earlier contributes to the Very Weak asset quality (0.3).
Other Rating Factors:
Very Weak liquidity 0.7, driven by a liquidity ratio of 21.7 percent and a “hot money” ratio of 44.2 percent. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.5 on a scale of 0 to 10).
Asset Mix:
Home mtgs (57%), cash (19%), comm re (6%), home eq lns (5%), other (13%)
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
Investment Rating
--
Address
202 Elm Street
Ludlow, KY 41016
Ludlow, KY 41016
Phone Number
(859) 431-4437
Year Founded
1941
FDIC Number
Largest Affiliates
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