Major Rating Factors:
Excellent current capitalization (9.9 on a scale of 0 to 10) and a capital leverage ratio of 11.0. A current level of 3.4 percent of nonperforming loans to core capital combined with 4.6 percent from a year earlier contributes to the Excellent asset quality (7.2).
Other Rating Factors:
Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 1.0 has resulted in Good (5.0) profitability. Fair liquidity 4.1, driven by a liquidity ratio of 37.7 percent and a “hot money” ratio of 32.2 percent.
Asset Mix:
Securities (41%), cash (12%), home mtgs (11%), consumer loans (5%), comm re (4%), comm loans (2%), home eq lns (1%), other (24%)
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
First State Capital Corporation
Investment Rating
--
Address
88730 Highway Nine
Lineville, AL 36266
Lineville, AL 36266
Phone Number
(256) 396-2187
Year Founded
1971
FDIC Number
Website
Largest Affiliates
No affiliate information available.