Major Rating Factors:
A current level of 7.2 percent of nonperforming loans to core capital combined with 14.2 percent from a year earlier contributes to the Fair asset quality (5.0). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (2.8 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (7.3 on a scale of 0 to 10) and a capital leverage ratio of 9.2. Weak liquidity 2.8, driven by a liquidity ratio of 22.5 percent and a “hot money” ratio of 24.0 percent.
Asset Mix:
Comm re (24%), securities (24%), comm loans (11%), home mtgs (11%), cash (7%), consumer loans (3%), home eq lns (1%), other (19%)
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.