Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (5.0 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 1.0 has resulted in Fair (4.7) profitability.
Other Rating Factors:
A current level of 0.0 percent of nonperforming loans to core capital combined with 0.0 percent from a year earlier contributes to the Excellent asset quality (9.2). Excellent current capitalization (7.8 on a scale of 0 to 10) and a capital leverage ratio of 9.8.
Asset Mix:
Securities (29%), home eq lns (20%), home mtgs (15%), cash (14%), comm re (9%), comm loans (2%), consumer loans (1%), other (10%)
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
Five Flags Banks, Inc.
Investment Rating
--
Address
500 South Palafox Street
Pensacola, FL 32502
Pensacola, FL 32502
Phone Number
(850) 453-3411
Year Founded
1973
FDIC Number
Website
Largest Affiliates
Pensacola, FL
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Bank