Major Rating Factors:
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). Good current capitalization (6.8 on a scale of 0 to 10) based on a risk-based capital ratio of 12.4 and a capital leverage ratio of 8.8.
Other Rating Factors:
Operating profits as a percentage of assets at 1.8%, coupled with a return on assets of 1.8 has resulted in Excellent (7.3) profitability. A current level of 3.9 percent of nonperforming loans to core capital combined with 3.6 percent from a year earlier contributes to the Excellent asset quality (7.3).
Asset Mix:
Home mtgs (34%), securities (12%), comm re (10%), comm loans (6%), consumer loans (3%), home eq lns (3%), cash (2%), other (31%)
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 Community Bancorp, Inc
Investment Rating
--
Address
236 Sugar Maple Drive
Auburn, KY 42206
Auburn, KY 42206
Phone Number
(270) 542-4185
Year Founded
1929
FDIC Number
Largest Affiliates
No affiliate information available.