First State Bank of Dekalb County, Inc.
Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 21.2 and a capital leverage ratio of 12.4. Operating profits as a percentage of assets at 3.0%, coupled with a return on assets of 2.3 has resulted in Excellent (10.0) profitability.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.1 on a scale of 0 to 10). A current level of 8.2 percent of nonperforming loans to core capital combined with 8.5 percent from a year earlier contributes to the Good asset quality (5.5).
Asset Mix:
Securities (27%), home mtgs (22%), comm re (11%), cash (8%), comm loans (6%), consumer loans (5%), home eq lns (1%), other (21%)
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 State Bancshares of Dekalb County, Inc.
Investment Rating
--
Address
2407 Gault Avenue, North
Fort Payne, AL 35967
Fort Payne, AL 35967
Phone Number
(256) 845-6101
Year Founded
1982
FDIC Number
Website
Largest Affiliates
No affiliate information available.