Major Rating Factors:
Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 1.3 has resulted in Fair (4.8) profitability. A current level of 7.4 percent of nonperforming loans to core capital combined with 13.1 percent from a year earlier contributes to the Fair asset quality (4.7).
Other Rating Factors:
Good current capitalization (6.1 on a scale of 0 to 10) based on a risk-based capital ratio of 10.5 and a capital leverage ratio of 8.1. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.7 on a scale of 0 to 10).
Asset Mix:
Home mtgs (20%), comm re (10%), securities (9%), comm loans (4%), cash (4%), consumer loans (2%), home eq lns (2%), other (49%)
States with Branches:
KY, TN
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 Trust Financial Corporation
Investment Rating
--
Address
114 East Jackson Street
Clinton, KY 42031
Clinton, KY 42031
Phone Number
(270) 653-4301
Year Founded
1936
FDIC Number
Website
Largest Affiliates
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