The First National Bank of Russell Springs
Major Rating Factors:
Excellent current capitalization (8.8 on a scale of 0 to 10) and a capital leverage ratio of 10.2. A current level of 1.5 percent of nonperforming loans to core capital combined with 0.9 percent from a year earlier contributes to the Excellent asset quality (8.4).
Other Rating Factors:
Operating profits as a percentage of assets at 1.6%, coupled with a return on assets of 1.2 has resulted in Good (6.0) 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).
Asset Mix:
Comm re (30%), securities (19%), home mtgs (13%), cash (12%), comm loans (5%), consumer loans (1%), home eq lns (1%), other (19%)
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 Bancorp, Inc.
Investment Rating
--
Address
36 West Steve Wariner Drive
Russell Springs, KY 42642
Russell Springs, KY 42642
Phone Number
(270) 866-4343
Year Founded
1906
FDIC Number
Website
Largest Affiliates
Campbellsville, KY
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Bank