Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 14.4. 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.
Other Rating Factors:
A current level of 4.7 percent of nonperforming loans to core capital combined with 2.8 percent from a year earlier contributes to the Good asset quality (6.4). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.7 on a scale of 0 to 10).
Asset Mix:
Securities (30%), comm re (24%), cash (13%), home mtgs (11%), comm loans (3%), consumer loans (2%), other (18%)
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
800 Martin Street, South
Pell City, AL 35128
Pell City, AL 35128
Phone Number
(205) 884-2265
Year Founded
1989
FDIC Number
Website
Largest Affiliates
No affiliate information available.