North Alabama Bank
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). Operating profits as a percentage of assets at 1.9%, coupled with a return on assets of 1.4 has resulted in Excellent (7.5) profitability.
Other Rating Factors:
Excellent current capitalization (8.4 on a scale of 0 to 10) and a capital leverage ratio of 9.9. A current level of 1.6 percent of nonperforming loans to core capital combined with 0.3 percent from a year earlier contributes to the Excellent asset quality (8.0).
Asset Mix:
Comm re (23%), home mtgs (19%), cash (7%), securities (7%), home eq lns (4%), comm loans (3%), consumer loans (1%), other (36%)
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
BOLC Corp.
Investment Rating
--
Address
13914 Highway 231-431, North
Hazel Green, AL 35750
Hazel Green, AL 35750
Phone Number
(256) 828-9500
Year Founded
1989
FDIC Number
Website
Largest Affiliates
No affiliate information available.