Major Rating Factors:
Operating profits as a percentage of assets at 0.1%, coupled with a return on assets of 0.1 has resulted in Very Weak (0.7) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.2 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 36.2 and a capital leverage ratio of 15.5. A current level of 3.2 percent of nonperforming loans to core capital combined with 4.2 percent from a year earlier contributes to the Excellent asset quality (8.5).
Asset Mix:
Securities (44%), cash (17%), comm re (14%), comm loans (10%), home mtgs (8%), consumer loans (1%), other (6%)
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
CNB Bancorp, Inc.
Investment Rating
--
Address
2214 Saint Stephens Road
Mobile, AL 36617
Mobile, AL 36617
Phone Number
(251) 476-5938
Year Founded
1976
FDIC Number
Website
Largest Affiliates
No affiliate information available.