First National Bank of Manchester
Major Rating Factors:
A current level of 12.7 percent of nonperforming loans to core capital combined with 8.6 percent from a year earlier contributes to the Fair asset quality (4.6). Operating profits as a percentage of assets at 0.7%, coupled with a return on assets of 0.6 has resulted in Weak (2.0) profitability.
Other Rating Factors:
Excellent current capitalization (7.6 on a scale of 0 to 10) based on a risk-based capital ratio of 15.2 and a capital leverage ratio of 9.4. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.4 on a scale of 0 to 10).
Asset Mix:
Comm re (25%), home mtgs (24%), securities (16%), cash (12%), comm loans (5%), consumer loans (3%), home eq lns (1%), other (13%)
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 National Financial Corporation
Investment Rating
--
Address
120 Town Square
Manchester, KY 40962
Manchester, KY 40962
Phone Number
(606) 598-6111
Year Founded
1905
FDIC Number
Website
Largest Affiliates
No affiliate information available.