United Community Bank of West Kentucky, Inc.
Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 11.0. A current level of 0.6 percent of nonperforming loans to core capital combined with 0.4 percent from a year earlier contributes to the Excellent asset quality (8.4).
Other Rating Factors:
Operating profits as a percentage of assets at 1.9%, coupled with a return on assets of 1.5 has resulted in Good (6.8) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.3 on a scale of 0 to 10).
Asset Mix:
Securities (31%), comm loans (14%), home mtgs (13%), comm re (11%), consumer loans (2%), home eq lns (2%), cash (1%), other (25%)
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
United Community Bancshares, Inc.
Investment Rating
--
Address
500 North Morgan Street
Morganfield, KY 42437
Morganfield, KY 42437
Phone Number
(270) 389-3232
Year Founded
2001
FDIC Number
Website
Largest Affiliates
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