Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (5.0 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.7%, coupled with a return on assets of 1.3 has resulted in Good (6.7) profitability.
Other Rating Factors:
A current level of 0.0 percent of nonperforming loans to core capital combined with 0.3 percent from a year earlier contributes to the Excellent asset quality (9.2). Excellent current capitalization (8.4 on a scale of 0 to 10) based on a risk-based capital ratio of 16.8 and a capital leverage ratio of 9.9.
Asset Mix:
Home mtgs (32%), cash (21%), comm re (20%), home eq lns (4%), securities (4%), comm loans (2%), consumer loans (0%), other (17%)
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
761 Corporate Drive
Lexington, KY 40503
Lexington, KY 40503
Phone Number
(859) 219-2900
Year Founded
2006
FDIC Number
Website
Largest Affiliates
No affiliate information available.