Major Rating Factors:
Operating profits as a percentage of assets at 0.2%, coupled with a return on assets of 0.0 has resulted in Weak (2.3) profitability. A current level of 4.4 percent of nonperforming loans to core capital combined with 2.6 percent from a year earlier contributes to the Good asset quality (6.4).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 28.0. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.7 on a scale of 0 to 10).
Asset Mix:
Securities (52%), home mtgs (15%), cash (11%), comm loans (9%), consumer loans (2%), comm re (1%), other (11%)
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
Investment Rating
--
Address
312 Sowell Street
Brewton, AL 36426
Brewton, AL 36426
Phone Number
(251) 867-7707
Year Founded
1977
FDIC Number
Largest Affiliates
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