The Sacramento Deposit Bank
Major Rating Factors:
Operating profits as a percentage of assets at 2.2%, coupled with a return on assets of 2.2 has resulted in Excellent (8.3) profitability. Excellent current capitalization (7.7 on a scale of 0 to 10) based on a risk-based capital ratio of 15.6 and a capital leverage ratio of 9.5.
Other Rating Factors:
A current level of 4.7 percent of nonperforming loans to core capital combined with 4.1 percent from a year earlier contributes to the Good asset quality (6.1). 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 (27%), home mtgs (23%), comm re (21%), consumer loans (5%), comm loans (3%), cash (3%), other (18%)
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
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