Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 18.9 and a net worth ratio of 18.8. A current level of 0.4 percent of nonperforming loans to core capital combined with 0.9 percent from a year earlier contributes to the Excellent asset quality (9.9).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.7 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.9 has resulted in Good (5.4) profitability.
Asset Mix:
Consumer loans (33%), home mtgs (20%), other (46%)
Corporate Info
3000 Highway 144
Owensboro, KY 42303
Owensboro, KY 42303
(270) 926-0210
Largest Competitors
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Owensboro, KY
Owensboro, KY