Major Rating Factors:
A current level of 8.2 percent of nonperforming loans to core capital combined with 8.3 percent from a year earlier contributes to the Fair asset quality (4.7). Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.9 has resulted in Fair (4.1) profitability.
Other Rating Factors:
Good current capitalization (6.1 on a scale of 0 to 10) based on a risk-based capital ratio of 11.4 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 (19%), securities (9%), comm re (9%), cash (5%), comm loans (4%), consumer loans (3%), home eq lns (2%), other (50%)
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
No affiliate information available.