Major Rating Factors:
A current level of 0.3 percent of nonperforming loans to core capital combined with 2.4 percent from a year earlier contributes to the Excellent asset quality (8.6). Excellent current capitalization (7.6 on a scale of 0 to 10) based on a risk-based capital ratio of 17.3 and a capital leverage ratio of 9.4.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.5 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 1.1 has resulted in Fair (4.6) profitability.
Asset Mix:
Home mtgs (28%), securities (19%), cash (15%), comm re (10%), comm loans (7%), home eq lns (6%), consumer loans (5%), other (9%)
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
FCB Bancshares, Inc.
Investment Rating
--
Address
101 First Avenue, NW
Cullman, AL 35055
Cullman, AL 35055
Phone Number
(256) 737-9900
Year Founded
1987
FDIC Number
Largest Affiliates
There are no affiliate to display.