Major Rating Factors:
A current level of 8.2 percent of nonperforming loans to core capital combined with 15.7 percent from a year earlier contributes to the Fair asset quality (4.9). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (2.7 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (7.2 on a scale of 0 to 10) and a capital leverage ratio of 9.1. Weak liquidity 2.8, driven by a liquidity ratio of 20.9 percent and a “hot money” ratio of 25.2 percent.
Asset Mix:
Securities (26%), comm re (23%), home mtgs (11%), comm loans (10%), cash (4%), consumer loans (3%), home eq lns (1%), other (21%)
States with Branches:
AL
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
Marion Bancshares, Inc.
Investment Rating
--
Address
601 South Washington Street
Marion, AL 36756
Marion, AL 36756
Phone Number
(334) 683-6131
Year Founded
1934
FDIC Number
Website
Largest Affiliates
No affiliate information available.