Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 14.3. Operating profits as a percentage of assets at 2.6%, coupled with a return on assets of 2.0 has resulted in Excellent (9.0) profitability.
Other Rating Factors:
A current level of 4.5 percent of nonperforming loans to core capital combined with 7.1 percent from a year earlier contributes to the Good asset quality (6.7). 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:
Securities (34%), comm re (19%), home mtgs (13%), comm loans (8%), consumer loans (3%), cash (2%), home eq lns (1%), other (20%)
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
First Citizens-Crenshaw Bancshares, Inc.
Investment Rating
--
Address
100 West Third Street
Luverne, AL 36049
Luverne, AL 36049
Phone Number
(334) 335-3346
Year Founded
1980
FDIC Number
Website
Largest Affiliates
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