The Sacramento Deposit Bank
Major Rating Factors:
Excellent current capitalization (8.9 on a scale of 0 to 10) based on a risk-based capital ratio of 16.9 and a capital leverage ratio of 10.2. Operating profits as a percentage of assets at 1.9%, coupled with a return on assets of 1.9 has resulted in Excellent (7.5) profitability.
Other Rating Factors:
A current level of 2.9 percent of nonperforming loans to core capital combined with 3.8 percent from a year earlier contributes to the Good asset quality (6.8). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.1 on a scale of 0 to 10).
Asset Mix:
Securities (29%), home mtgs (22%), comm re (20%), 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.