First United Bank and Trust Company, Inc.
Major Rating Factors:
A current level of 1.1 percent of nonperforming loans to core capital combined with 2.0 percent from a year earlier contributes to the Excellent asset quality (8.8). Good current capitalization (6.9 on a scale of 0 to 10) based on a risk-based capital ratio of 14.2 and a capital leverage ratio of 8.9.
Other Rating Factors:
Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 1.1 has resulted in Fair (4.5) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.9 on a scale of 0 to 10).
Asset Mix:
Securities (23%), home mtgs (22%), comm re (17%), comm loans (12%), home eq lns (3%), cash (2%), consumer loans (1%), other (20%)
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 United Bancorp, Inc.
Investment Rating
--
Address
162 North Main Street
Madisonville, KY 42431
Madisonville, KY 42431
Phone Number
(270) 821-5555
Year Founded
1996
FDIC Number
Website
Largest Affiliates
No affiliate information available.