Major Rating Factors:
A current level of 26.8 percent of nonperforming loans to core capital combined with 13.0 percent from a year earlier contributes to the Weak asset quality (1.2). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.2 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 16.2 and a capital leverage ratio of 13.6. Operating profits as a percentage of assets at 3.2%, coupled with a return on assets of 3.0 has resulted in Excellent (7.9) profitability.
Asset Mix:
Comm loans (31%), comm re (13%), home mtgs (13%), consumer loans (9%), securities (7%), cash (3%), home eq lns (3%), 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
FEB Bancshares, Inc.
Investment Rating
--
Address
51 Saint Joseph Street
Mobile, AL 36602
Mobile, AL 36602
Phone Number
(251) 445-3805
Year Founded
1917
FDIC Number
Website
Largest Affiliates
No affiliate information available.