Major Rating Factors:
Excellent current capitalization (9.4 on a scale of 0 to 10) and a capital leverage ratio of 10.6. A current level of 2.1 percent of nonperforming loans to core capital combined with 3.0 percent from a year earlier contributes to the Excellent asset quality (8.0).
Other Rating Factors:
Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 1.1 has resulted in Good (5.3) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.3 on a scale of 0 to 10).
Asset Mix:
Securities (37%), comm re (22%), home mtgs (16%), cash (7%), home eq lns (4%), comm loans (1%), consumer loans (1%), other (12%)
States with Branches:
FL
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
UniSouth, Inc.
Investment Rating
--
Address
750 North Central Avenue
Umatilla, FL 32784
Umatilla, FL 32784
Phone Number
(352) 669-2121
Year Founded
1937
FDIC Number
Largest Affiliates
No affiliate information available.