Major Rating Factors:
Operating profits as a percentage of assets at 0.5%, coupled with a return on assets of 0.4 has resulted in Weak (2.1) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.1 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 17.1. A current level of 0.4 percent of nonperforming loans to core capital combined with 0.2 percent from a year earlier contributes to the Excellent asset quality (10.0).
Asset Mix:
Securities (82%), cash (3%), comm loans (1%), consumer loans (1%), comm re (1%), other (11%)
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
--
Address
320 Main Street
Waterloo, AL 35677
Waterloo, AL 35677
Phone Number
(256) 766-2579
Year Founded
1914
FDIC Number
Website
Largest Affiliates
No affiliate information available.