First National Bank of Kentucky
Major Rating Factors:
Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 1.1 has resulted in Fair (4.5) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.3 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (7.3 on a scale of 0 to 10) based on a risk-based capital ratio of 13.2 and a capital leverage ratio of 9.2. A current level of 5.9 percent of nonperforming loans to core capital combined with 1.9 percent from a year earlier contributes to the Good asset quality (6.7).
Asset Mix:
Home mtgs (37%), comm re (22%), securities (11%), comm loans (5%), cash (5%), home eq lns (3%), 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.