Major Rating Factors:
Excellent current capitalization (8.6 on a scale of 0 to 10) and a capital leverage ratio of 10.1. A current level of 0.6 percent of nonperforming loans to core capital combined with 0.6 percent from a year earlier contributes to the Excellent asset quality (8.5).
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 (6.0 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 0.9 has resulted in Fair (4.7) profitability.
Asset Mix:
Securities (31%), home mtgs (18%), comm re (17%), cash (8%), comm loans (5%), consumer loans (4%), home eq lns (1%), other (16%)
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 Bancshares of Stevenson, Inc.
Investment Rating
--
Address
80 Bank Street
Stevenson, AL 35772
Stevenson, AL 35772
Phone Number
(256) 437-2171
Year Founded
1910
FDIC Number
Website
Largest Affiliates
No affiliate information available.