Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 17.1. Operating profits as a percentage of assets at 2.7%, coupled with a return on assets of 2.5 has resulted in Excellent (8.9) profitability.
Other Rating Factors:
A current level of 0.5 percent of nonperforming loans to core capital combined with 0.8 percent from a year earlier contributes to the Excellent asset quality (8.7). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.0 on a scale of 0 to 10).
Asset Mix:
Securities (48%), home mtgs (12%), consumer loans (8%), comm loans (7%), comm re (7%), cash (4%), home eq lns (1%), other (13%)
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
Marion County Bancshares, Inc.
Investment Rating
--
Address
341 Military Street, South
Hamilton, AL 35570
Hamilton, AL 35570
Phone Number
(205) 921-7435
Year Founded
1976
FDIC Number
Website
Largest Affiliates
No affiliate information available.
