Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 26.3. A current level of 0.3 percent of nonperforming loans to core capital combined with 5.1 percent from a year earlier contributes to the Excellent asset quality (9.1).
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 (7.6 on a scale of 0 to 10). Fair liquidity 5.0, driven by a liquidity ratio of 68.7 percent and a “hot money” ratio of 8.5 percent.
Asset Mix:
Securities (38%), comm re (14%), home mtgs (7%), comm loans (7%), cash (2%), consumer loans (2%), other (30%)
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 Dozier Bancshares, Inc.
Investment Rating
--
Address
7825 South Main Street
Dozier, AL 36028
Dozier, AL 36028
Phone Number
(334) 496-3592
Year Founded
1910
FDIC Number
Website
Largest Affiliates
No affiliate information available.