American Bank & Trust Company Inc.
Major Rating Factors:
Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 0.9 has resulted in Fair (4.2) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.6 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (7.1 on a scale of 0 to 10) based on a risk-based capital ratio of 11.5 and a capital leverage ratio of 9.1. A current level of 2.2 percent of nonperforming loans to core capital combined with 2.3 percent from a year earlier contributes to the Good asset quality (6.1).
Asset Mix:
Comm re (21%), home mtgs (18%), securities (11%), comm loans (10%), home eq lns (5%), cash (1%), consumer loans (1%), other (34%)
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 Breckinridge Bancshares, Inc.
Investment Rating
--
Address
531 Lovers Lane
Bowling Green, KY 42103
Bowling Green, KY 42103
Phone Number
(270) 796-8444
Year Founded
2000
FDIC Number
Website
Largest Affiliates
Radcliff, KY
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Bank
Louisville, KY
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Bank
Irvington, KY
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Bank
Clarkson, KY
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Bank