Major Rating Factors:
Excellent current capitalization (9.6 on a scale of 0 to 10) based on a risk-based capital ratio of 15.9 and a capital leverage ratio of 10.7. Operating profits as a percentage of assets at 2.0%, coupled with a return on assets of 1.9 has resulted in Excellent (8.8) profitability.
Other Rating Factors:
A current level of 1.2 percent of nonperforming loans to core capital combined with 3.7 percent from a year earlier contributes to the Excellent asset quality (8.1). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.3 on a scale of 0 to 10).
Asset Mix:
Comm re (28%), securities (15%), comm loans (15%), cash (14%), home mtgs (7%), home eq lns (3%), consumer loans (1%), other (17%)
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
Altrust Financial Services, Inc.
Investment Rating
--
Address
1912 Cherokee Avenue Southwest
Cullman, AL 35055
Cullman, AL 35055
Phone Number
(256) 737-7000
Year Founded
FDIC Number
Website
Largest Affiliates
No affiliate information available.