First National Bank of Kentucky
Major Rating Factors:
Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 1.0 has resulted in Fair (4.3) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.7 on a scale of 0 to 10).
Other Rating Factors:
A current level of 2.4 percent of nonperforming loans to core capital combined with 2.9 percent from a year earlier contributes to the Excellent asset quality (7.8). Excellent current capitalization (7.1 on a scale of 0 to 10) based on a risk-based capital ratio of 14.6 and a capital leverage ratio of 9.1.
Asset Mix:
Home mtgs (35%), comm re (19%), securities (12%), cash (11%), comm loans (5%), home eq lns (2%), consumer loans (1%), other (16%)
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
Port William Bancshares, Inc.
Investment Rating
--
Address
604 Highland Avenue
Carrollton, KY 41008
Carrollton, KY 41008
Phone Number
(502) 732-4406
Year Founded
1881
FDIC Number
Website
Largest Affiliates
No affiliate information available.