Major Rating Factors:
Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 1.1 has resulted in Fair (4.5) 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:
Good current capitalization (6.5 on a scale of 0 to 10) based on a risk-based capital ratio of 12.3 and a capital leverage ratio of 8.6. A current level of 9.3 percent of nonperforming loans to core capital combined with 3.5 percent from a year earlier contributes to the Good asset quality (5.5).
Asset Mix:
Home mtgs (30%), comm re (15%), securities (13%), cash (4%), comm loans (4%), home eq lns (1%), consumer loans (1%), other (32%)
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
600 West Lincoln Trail Boulevard
Radcliff, KY 40160
Radcliff, KY 40160
Phone Number
(270) 351-1414
Year Founded
1914
FDIC Number
Website
Largest Affiliates
Bowling Green, KY
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Bank
Louisville, KY
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Bank
Irvington, KY
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Bank
Clarkson, KY
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Bank