The First National Bank of Russell Springs
Major Rating Factors:
A current level of 0.2 percent of nonperforming loans to core capital contributes to the Excellent asset quality (8.8). Excellent current capitalization (8.6 on a scale of 0 to 10) and a capital leverage ratio of 10.1.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.3 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 1.0 has resulted in Good (5.3) profitability.
Asset Mix:
Comm re (28%), securities (18%), cash (18%), home mtgs (14%), comm loans (3%), consumer loans (1%), home eq lns (1%), other (17%)
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