Major Rating Factors:
A current level of 1.7 percent of nonperforming loans to core capital combined with 0.4 percent from a year earlier contributes to the Excellent asset quality (8.5). Excellent current capitalization (7.0 on a scale of 0 to 10) based on a risk-based capital ratio of 13.2 and a capital leverage ratio of 9.0.
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 (5.6 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.8 has resulted in Fair (3.7) profitability.
Asset Mix:
Securities (27%), comm re (26%), home mtgs (11%), cash (7%), comm loans (7%), home eq lns (2%), consumer loans (0%), other (20%)
States with Branches:
AL, 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
MidSouth Bancorporation
Investment Rating
--
Address
2526 West Main Street
Dothan, AL 36301
Dothan, AL 36301
Phone Number
(334) 702-7774
Year Founded
1912
FDIC Number
Website
Largest Affiliates
No affiliate information available.