Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 15.6. Operating profits as a percentage of assets at 2.2%, coupled with a return on assets of 1.7 has resulted in Excellent (7.9) profitability.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.9 on a scale of 0 to 10). A current level of 6.7 percent of nonperforming loans to core capital combined with 7.9 percent from a year earlier contributes to the Good asset quality (5.1).
Asset Mix:
Cash (25%), comm re (20%), securities (18%), home mtgs (8%), comm loans (6%), home eq lns (3%), consumer loans (1%), other (19%)
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
DLP Bancshares, Inc.
Investment Rating
--
Address
811 South Walnut Street
Starke, FL 32091
Starke, FL 32091
Phone Number
(904) 964-7830
Year Founded
1957
FDIC Number
Website
Largest Affiliates
No affiliate information available.