AmeriFirst Bank
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.3 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 1.1 has resulted in Good (5.3) profitability.
Other Rating Factors:
Excellent current capitalization (7.5 on a scale of 0 to 10) based on a risk-based capital ratio of 12.7 and a capital leverage ratio of 9.3. A current level of 5.0 percent of nonperforming loans to core capital combined with 2.4 percent from a year earlier contributes to the Good asset quality (6.2).
Asset Mix:
Comm re (27%), home mtgs (25%), securities (11%), comm loans (10%), cash (3%), consumer loans (1%), home eq lns (1%), other (22%)
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
USAL Bancorp, Inc.
Investment Rating
--
Address
8165 Vaughn Road
Montgomery, AL 36116
Montgomery, AL 36116
Phone Number
(334) 409-2980
Year Founded
1916
FDIC Number
Website
Largest Affiliates
No affiliate information available.