The Sacramento Deposit Bank
Major Rating Factors:
Excellent current capitalization (7.5 on a scale of 0 to 10) based on a risk-based capital ratio of 15.4 and a capital leverage ratio of 9.4. Operating profits as a percentage of assets at 1.8%, coupled with a return on assets of 1.7 has resulted in Excellent (7.3) profitability.
Other Rating Factors:
A current level of 3.6 percent of nonperforming loans to core capital combined with 4.1 percent from a year earlier contributes to the Good asset quality (6.6). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.4 on a scale of 0 to 10).
Asset Mix:
Securities (28%), home mtgs (22%), comm re (21%), consumer loans (5%), comm loans (4%), cash (3%), 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
Sacramento Bancorp
Investment Rating
--
Address
335 Main Street
Sacramento, KY 42372
Sacramento, KY 42372
Phone Number
(270) 736-2212
Year Founded
1895
FDIC Number
Website
Largest Affiliates
No affiliate information available.