Major Rating Factors:
A current level of 23.3 percent of nonperforming loans to core capital combined with 8.3 percent from a year earlier contributes to the Fair asset quality (3.7).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 11.0. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.2 on a scale of 0 to 10).
Asset Mix:
Home mtgs (58%), cash (17%), comm re (7%), home eq lns (4%), other (14%)
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
No affiliate information available.