Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 11.5. Operating profits as a percentage of assets at 2.6%, coupled with a return on assets of 2.5 has resulted in Excellent (10.0) profitability.
Other Rating Factors:
A current level of 2.2 percent of nonperforming loans to core capital combined with 0.9 percent from a year earlier contributes to the Excellent asset quality (7.9). 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:
Home mtgs (25%), comm re (18%), cash (11%), consumer loans (5%), securities (5%), comm loans (4%), home eq lns (3%), other (29%)
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
Edmonton Bancshares, Inc.
Investment Rating
--
Address
909 West Main Street
Glasgow, KY 42141
Glasgow, KY 42141
Phone Number
(270) 432-3231
Year Founded
1897
FDIC Number
Website
Largest Affiliates
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