Major 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 (6.8 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 13.0. A current level of 0.0 percent of nonperforming loans to core capital combined with 6.9 percent from a year earlier contributes to the Excellent asset quality (8.9).
Asset Mix:
Home mtgs (38%), comm re (29%), cash (11%), home eq lns (3%), comm loans (2%), consumer loans (2%), securities (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
Southern Community Bancshares, Inc.
Investment Rating
--
Address
420 Second Avenue SW
Cullman, AL 35055
Cullman, AL 35055
Phone Number
(256) 734-4863
Year Founded
FDIC Number
Website
Largest Affiliates
No affiliate information available.