| Weiss Ratings |
Bank Independent
Sheffield, AL |
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| Rating | ||||
| Asset Quality Index | 8.40 | |||
| Capitalization Index | 8.20 | |||
| Liquidity Index | 3.00 | |||
| Profitability Index | 1.80 | |||
| Stability Index | 8.10 | |||
| Company Info |
Bank Independent
Sheffield, AL |
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| FDIC Number | 16604 | |||
| Phone Number | (256) 386-5000 | |||
| Website | www.bibank.com | |||
| Asset Quality |
Bank Independent
Sheffield, AL |
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| 1-Year Asset Growth | 2.81% | |||
| 5-Year Asset Growth | 9.84% | |||
| 5-Year Charge-Offs to Average Loans | 0.17% | |||
| Charge-Offs to Average Loans | 0.23% | |||
| Non-Performing Assets to Assets | 0.03% | |||
| Non-Performing Loans to Capital | 1.30% | |||
| Non-Performing Loans to Loans | 0.04% | |||
| Balance Sheet |
Bank Independent
Sheffield, AL |
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| Total Assets | 2.86B | |||
| Total Deposits | 2.47B | |||
| Capital and Reserves |
Bank Independent
Sheffield, AL |
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| Capital | 292.16M | |||
| Leverage Ratio | 9.82 | |||
| Loan Loss Reserves to Loans | 1.39% | |||
| Risk-Based Capital Ratio | 14.42 | |||
| Liquidity |
Bank Independent
Sheffield, AL |
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| Hot Money Ratio | 13.12% | |||
| Liquidity Ratio | 14.88% | |||
| Profitability |
Bank Independent
Sheffield, AL |
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| 5-Year Return on Average Assets | 1.00% | |||
| Net Income | 9.26M | |||
| Net Interest Spread | 4.37% | |||
| Operating Profit to Average Assets | 0.80% | |||
| Overhead Efficiency Ratio | 80.19% | |||
| Return on Assets | 0.63% | |||
| Return on Equity | 6.47% | |||