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 4.6 percent of nonperforming loans to core capital combined with 7.1 percent from a year earlier contributes to the Good asset quality (6.8).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 19.3 and a capital leverage ratio of 12.3. Operating profits as a percentage of assets at 1.8%, coupled with a return on assets of 1.4 has resulted in Good (6.9) profitability.
Asset Mix:
Home mtgs (25%), securities (25%), comm re (14%), consumer loans (6%), comm loans (5%), cash (3%), home eq lns (1%), other (21%)
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
101 East Main Street
Clarkson, KY 42726
Clarkson, KY 42726
Phone Number
(270) 242-2111
Year Founded
1904
FDIC Number
Website
Largest Affiliates
Bowling Green, KY
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Bank
Radcliff, KY
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Bank
Louisville, KY
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Bank
Irvington, KY
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Bank