Major Rating Factors:
Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 1.0 has resulted in Fair (3.2) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (2.6 on a scale of 0 to 10).
Other Rating Factors:
Good current capitalization (6.8 on a scale of 0 to 10) based on a risk-based capital ratio of 20.5 and a capital leverage ratio of 8.9. A current level of 6.5 percent of nonperforming loans to core capital combined with 18.6 percent from a year earlier contributes to the Good asset quality (5.2).
Asset Mix:
Securities (36%), comm loans (19%), cash (13%), comm re (9%), home mtgs (9%), consumer loans (4%), home eq lns (1%), other (9%)
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
Commercial Bancshares of Ozark, Inc.
Investment Rating
--
Address
208 South Merrick Avenue
Ozark, AL 36360
Ozark, AL 36360
Phone Number
(334) 774-4931
Year Founded
1959
FDIC Number
Website
Largest Affiliates
No affiliate information available.