First Metro Bank
Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 11.5. A current level of 1.1 percent of nonperforming loans to core capital combined with 0.1 percent from a year earlier contributes to the Excellent asset quality (8.9).
Other Rating Factors:
Operating profits as a percentage of assets at 2.1%, coupled with a return on assets of 1.6 has resulted in Excellent (8.4) profitability. 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 (26%), home mtgs (18%), comm re (17%), cash (10%), comm loans (6%), consumer loans (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 Metro Bancorp
Investment Rating
--
Address
406 West Avalon Avenue
Muscle Shoals, AL 35661
Muscle Shoals, AL 35661
Phone Number
(256) 386-0600
Year Founded
1988
FDIC Number
Website
Largest Affiliates
No affiliate information available.