Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.4 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 14.6. A current level of 0.3 percent of nonperforming loans to core capital combined with 1.4 percent from a year earlier contributes to the Excellent asset quality (9.4).
Asset Mix:
Securities (53%), home mtgs (17%), comm re (5%), cash (4%), consumer loans (4%), comm loans (2%), home eq lns (1%), 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
Ohio County Community Bancshares, Inc.
Investment Rating
--
Address
830 South Main Street
Hartford, KY 42347
Hartford, KY 42347
Phone Number
(270) 298-3261
Year Founded
1928
FDIC Number
Website
Largest Affiliates
No affiliate information available.