Major Rating Factors:
Excellent current capitalization (8.9 on a scale of 0 to 10) and a capital leverage ratio of 10.2. A current level of 1.1 percent of nonperforming loans to core capital combined with 3.9 percent from a year earlier contributes to the Excellent asset quality (8.3).
Other Rating Factors:
Fair liquidity 3.3, driven by a liquidity ratio of 16.6 percent and a “hot money” ratio of 19.7 percent. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (2.9 on a scale of 0 to 10).
Asset Mix:
Comm re (24%), securities (21%), comm loans (17%), home mtgs (8%), consumer loans (4%), cash (3%), home eq lns (3%), other (20%)
States with Branches:
FL
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
Florida Bancshares, Inc.
Investment Rating
--
Address
13315 U.S. Highway 301
Dade City, FL 33525
Dade City, FL 33525
Phone Number
(352) 521-0141
Year Founded
1986
FDIC Number
Website
Largest Affiliates
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