United Southern Bank
Major Rating Factors:
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). Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 1.2 has resulted in Good (5.9) profitability.
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 12.1. A current level of 2.5 percent of nonperforming loans to core capital combined with 4.1 percent from a year earlier contributes to the Excellent asset quality (7.5).
Asset Mix:
Home mtgs (31%), securities (13%), comm re (13%), cash (7%), comm loans (6%), consumer loans (3%), home eq lns (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
Todd Bancshares, Inc.
Investment Rating
--
Address
1813 East Ninth Street
Hopkinsville, KY 42240
Hopkinsville, KY 42240
Phone Number
(270) 885-0056
Year Founded
1922
FDIC Number
Website
Largest Affiliates
No affiliate information available.