Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 21.6. A current level of 0.8 percent of nonperforming loans to core capital combined with 0.2 percent from a year earlier contributes to the Excellent asset quality (9.6).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (9.4 on a scale of 0 to 10). Good liquidity 6.0, driven by a liquidity ratio of 53.6 percent and a “hot money” ratio of 23.3 percent.
Asset Mix:
Securities (66%), comm re (9%), home mtgs (6%), comm loans (4%), cash (3%), consumer loans (2%), other (9%)
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 Boaz Bancorporation
Investment Rating
--
Address
124 South Main Street
Boaz, AL 35957
Boaz, AL 35957
Phone Number
(256) 593-8670
Year Founded
1906
FDIC Number
Website
Largest Affiliates
No affiliate information available.
