Major Rating Factors:
A current level of 7.0 percent of nonperforming loans to core capital combined with 5.2 percent from a year earlier contributes to the Good asset quality (5.2). Operating profits as a percentage of assets at 1.6%, coupled with a return on assets of 1.3 has resulted in Good (6.2) profitability.
Other Rating Factors:
Good current capitalization (6.8 on a scale of 0 to 10) based on a risk-based capital ratio of 12.5 and a capital leverage ratio of 8.8. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.6 on a scale of 0 to 10).
Asset Mix:
Comm re (23%), home mtgs (19%), cash (12%), comm loans (11%), securities (7%), home eq lns (5%), consumer loans (0%), other (24%)
States with Branches:
IN, 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
Field & Main Bancorp, Inc.
Investment Rating
--
Address
140 North Main Street
Henderson, KY 42420
Henderson, KY 42420
Phone Number
(270) 831-1500
Year Founded
1934
FDIC Number
Website
Largest Affiliates
No affiliate information available.