American Bank & Trust Company Inc.
Major Rating Factors:
Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 1.0 has resulted in Fair (4.7) profitability. 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).
Other Rating Factors:
Excellent current capitalization (7.4 on a scale of 0 to 10) based on a risk-based capital ratio of 12.1 and a capital leverage ratio of 9.2. A current level of 6.4 percent of nonperforming loans to core capital combined with 3.3 percent from a year earlier contributes to the Good asset quality (5.0).
Asset Mix:
Comm re (20%), home mtgs (18%), securities (12%), comm loans (9%), home eq lns (5%), cash (1%), consumer loans (1%), other (36%)
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