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 (5.0 on a scale of 0 to 10). A current level of 8.1 percent of nonperforming loans to core capital combined with 5.2 percent from a year earlier contributes to the Good asset quality (6.1).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 16.8 and a capital leverage ratio of 11.2. Operating profits as a percentage of assets at 2.2%, coupled with a return on assets of 1.7 has resulted in Excellent (9.2) profitability.
Asset Mix:
Home mtgs (27%), securities (14%), comm re (13%), comm loans (9%), cash (9%), consumer loans (3%), home eq lns (1%), other (24%)
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
First Breckinridge Bancshares, Inc.
Investment Rating
--
Address
240 North First Street
Irvington, KY 40146
Irvington, KY 40146
Phone Number
(270) 547-2271
Year Founded
1903
FDIC Number
Website
Largest Affiliates
Bowling Green, KY
-
Bank
Radcliff, KY
-
Bank
Louisville, KY
-
Bank
Clarkson, KY
-
Bank