Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 14.8. A current level of 0.0 percent of nonperforming loans to core capital combined with 0.0 percent from a year earlier contributes to the Excellent asset quality (9.6).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (9.5 on a scale of 0 to 10). Good liquidity 5.5, driven by a liquidity ratio of 68.3 percent and a “hot money” ratio of 19.9 percent.
Asset Mix:
Securities (49%), home mtgs (18%), cash (17%), consumer loans (3%), comm loans (2%), comm re (2%), home eq lns (1%), other (7%)
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
Investment Rating
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Address
Two West Main Street
Samson, AL 36477
Samson, AL 36477
Phone Number
(334) 898-7107
Year Founded
1930
FDIC Number
Website
Largest Affiliates
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