Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.7 on a scale of 0 to 10). A current level of 5.0 percent of nonperforming loans to core capital combined with 3.7 percent from a year earlier contributes to the Good asset quality (5.2).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 27.9. Operating profits as a percentage of assets at 3.2%, coupled with a return on assets of 2.6 has resulted in Excellent (10.0) profitability.
Asset Mix:
Comm re (32%), home mtgs (20%), securities (17%), cash (3%), consumer loans (2%), home eq lns (1%), comm loans (1%), other (24%)
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
1710 Cherokee Avenue SW
Cullman, AL 35055
Cullman, AL 35055
Phone Number
(256) 255-2000
Year Founded
1986
FDIC Number
Website
Largest Affiliates
No affiliate information available.