Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 15.9. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.2 on a scale of 0 to 10).
Other Rating Factors:
A current level of 3.3 percent of nonperforming loans to core capital combined with 2.9 percent from a year earlier contributes to the Excellent asset quality (8.1). Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 1.1 has resulted in Good (5.2) profitability.
Asset Mix:
Securities (37%), home mtgs (16%), comm re (8%), consumer loans (7%), comm loans (4%), cash (3%), home eq lns (2%), other (22%)
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 Holding Corp.
Investment Rating
--
Address
5856 Highway 278
Sulligent, AL 35586
Sulligent, AL 35586
Phone Number
(205) 698-8116
Year Founded
1973
FDIC Number
Largest Affiliates
No affiliate information available.