Major Rating Factors:
Excellent current capitalization (8.2 on a scale of 0 to 10) based on a risk-based capital ratio of 14.4 and a capital leverage ratio of 9.8. Operating profits as a percentage of assets at 1.6%, coupled with a return on assets of 1.3 has resulted in Excellent (7.3) profitability.
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 (7.2 on a scale of 0 to 10). A current level of 19.8 percent of nonperforming loans to core capital combined with 1.9 percent from a year earlier contributes to the Fair asset quality (3.7).
Asset Mix:
Comm re (28%), securities (24%), home mtgs (12%), comm loans (10%), cash (7%), home eq lns (2%), consumer loans (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
Firstbanc of Alabama, Inc.
Investment Rating
--
Address
120 East North Street
Talladega, AL 35160
Talladega, AL 35160
Phone Number
(256) 362-2334
Year Founded
1848
FDIC Number
Website
Largest Affiliates
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