Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 13.6. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (9.6 on a scale of 0 to 10).
Other Rating Factors:
A current level of 1.6 percent of nonperforming loans to core capital combined with 2.2 percent from a year earlier contributes to the Excellent asset quality (8.8). Operating profits as a percentage of assets at 1.6%, coupled with a return on assets of 1.5 has resulted in Fair (4.8) profitability.
Asset Mix:
Home mtgs (24%), cash (16%), comm re (16%), securities (16%), comm loans (5%), consumer loans (2%), home eq lns (1%), other (20%)
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
SNB Holdings, Inc.
Investment Rating
--
Address
220 East Lawrence Harris Highway
Slocomb, AL 36375
Slocomb, AL 36375
Phone Number
(334) 886-2367
Year Founded
1905
FDIC Number
Website
Largest Affiliates
No affiliate information available.