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 (4.2 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.1%, coupled with a return on assets of 0.1 has resulted in Very Weak (0.9) profitability.
Other Rating Factors:
Excellent current capitalization (8.5 on a scale of 0 to 10) and a capital leverage ratio of 10.0. A current level of 6.8 percent of nonperforming loans to core capital combined with 12.1 percent from a year earlier contributes to the Good asset quality (6.1).
Asset Mix:
Home mtgs (66%), comm re (8%), home eq lns (5%), cash (3%), securities (2%), consumer loans (0%), comm loans (0%), 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
First Federal MHC
Investment Rating
--
Address
216 West Main Street
Frankfort, KY 40601
Frankfort, KY 40601
Phone Number
(502) 223-1638
Year Founded
1934
FDIC Number
Website
Largest Affiliates
Hazard, KY
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Bank