Major Rating Factors:
Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.7 has resulted in Weak (2.3) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.5 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (9.3 on a scale of 0 to 10) and a capital leverage ratio of 10.6. A current level of 3.7 percent of nonperforming loans to core capital combined with 6.8 percent from a year earlier contributes to the Excellent asset quality (7.1).
Asset Mix:
Home mtgs (63%), comm re (9%), home eq lns (6%), cash (4%), securities (3%), consumer loans (0%), comm loans (0%), other (15%)
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