Major Rating Factors:
Excellent current capitalization (8.3 on a scale of 0 to 10) based on a risk-based capital ratio of 13.1 and a capital leverage ratio of 9.9. Operating profits as a percentage of assets at 1.9%, coupled with a return on assets of 1.4 has resulted in Good (6.8) profitability.
Other Rating Factors:
A current level of 4.7 percent of nonperforming loans to core capital combined with 5.8 percent from a year earlier contributes to the Good asset quality (6.5). 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:
Comm re (28%), home mtgs (16%), securities (11%), cash (7%), comm loans (7%), home eq lns (7%), consumer loans (1%), other (22%)
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
South Central Bancshares of Kentucky, Inc.
Investment Rating
--
Address
208 South Broadway Street
Glasgow, KY 42141
Glasgow, KY 42141
Phone Number
(270) 651-7466
Year Founded
1908
FDIC Number
Website
Largest Affiliates
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