Springfield State Bank
Major Rating Factors:
Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 1.0 has resulted in Fair (5.0) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.3 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 14.0. A current level of 2.7 percent of nonperforming loans to core capital combined with 0.7 percent from a year earlier contributes to the Excellent asset quality (8.6).
Asset Mix:
Home mtgs (36%), securities (23%), comm re (11%), comm loans (4%), cash (3%), consumer loans (2%), other (19%)
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
Springfield Bankshares, Inc.
Investment Rating
--
Address
125 East Main Street
Springfield, KY 40069
Springfield, KY 40069
Phone Number
(859) 336-3939
Year Founded
1911
FDIC Number
Website
Largest Affiliates
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