Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 11.3. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.7 on a scale of 0 to 10).
Other Rating Factors:
A current level of 5.2 percent of nonperforming loans to core capital combined with 6.7 percent from a year earlier contributes to the Good asset quality (6.2). Operating profits as a percentage of assets at 1.6%, coupled with a return on assets of 1.3 has resulted in Good (6.1) profitability.
Asset Mix:
Securities (21%), cash (20%), home mtgs (16%), comm loans (10%), comm re (9%), consumer loans (5%), 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
First Camden Bancshares, Inc.
Investment Rating
--
Address
Three Water Street
Camden, AL 36726
Camden, AL 36726
Phone Number
(334) 682-4215
Year Founded
1906
FDIC Number
Website
Largest Affiliates
No affiliate information available.