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 (4.6 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.4%, coupled with a return on assets of 0.4 has resulted in Very Weak (0.4) profitability.
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 12.0. A current level of 0.0 percent of nonperforming loans to core capital combined with 10.6 percent from a year earlier contributes to the Excellent asset quality (7.4).
Asset Mix:
Securities (23%), home mtgs (20%), comm re (16%), comm loans (10%), cash (4%), consumer loans (4%), home eq lns (1%), other (22%)
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 Suncoast Trust Bancshares, Inc.
Investment Rating
--
Address
111 South Main Street
Atmore, AL 36502
Atmore, AL 36502
Phone Number
(251) 368-3148
Year Founded
1915
FDIC Number
Website
Largest Affiliates
No affiliate information available.