Major Rating Factors:
A current level of 0.7 percent of nonperforming loans to core capital combined with 1.2 percent from a year earlier contributes to the Excellent asset quality (8.1). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.3 on a scale of 0 to 10).
Other Rating Factors:
Good current capitalization (6.5 on a scale of 0 to 10) based on a risk-based capital ratio of 13.7 and a capital leverage ratio of 8.5. Fair liquidity 3.6, driven by a liquidity ratio of 14.5 percent and a “hot money” ratio of 15.2 percent.
Asset Mix:
Home mtgs (31%), comm re (21%), securities (18%), cash (4%), comm loans (3%), home eq lns (2%), consumer loans (1%), other (19%)
States with Branches:
KY, OH
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
Forcht Bancorp, Inc.
Investment Rating
--
Address
2404 Sir Barton Way
Lexington, KY 40509
Lexington, KY 40509
Phone Number
(859) 264-2265
Year Founded
2002
FDIC Number
Website
Largest Affiliates
No affiliate information available.