Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 12.8. A current level of 3.4 percent of nonperforming loans to core capital combined with 3.7 percent from a year earlier contributes to the Good asset quality (6.9).
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 (6.5 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 1.1 has resulted in Fair (4.7) profitability.
Asset Mix:
Securities (30%), home mtgs (24%), comm re (9%), consumer loans (6%), comm loans (4%), cash (3%), home eq lns (1%), other (24%)
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 Hartford Bancshares, Inc.
Investment Rating
--
Address
101 South Third Avenue
Hartford, AL 36344
Hartford, AL 36344
Phone Number
(334) 588-2211
Year Founded
1905
FDIC Number
Website
Largest Affiliates
No affiliate information available.