Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 20.8 and a capital leverage ratio of 11.6. A current level of 0.1 percent of nonperforming loans to core capital contributes to the Excellent asset quality (9.2).
Other Rating Factors:
Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 1.1 has resulted in Good (5.7) profitability. Fair liquidity 4.2, driven by a liquidity ratio of 20.7 percent and a “hot money” ratio of 20.6 percent.
Asset Mix:
Securities (49%), comm re (12%), comm loans (10%), home mtgs (7%), cash (6%), consumer loans (1%), home eq lns (1%), other (14%)
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
Pinnacle Bancshares, Inc.
Investment Rating
Address
1811 Second Avenue
Jasper, AL 35501
Jasper, AL 35501
Phone Number
(205) 221-4111
Year Founded
1935
FDIC Number
Website
Largest Affiliates
No affiliate information available.