First Fidelity Bank
Major Rating Factors:
Excellent current capitalization (9.5 on a scale of 0 to 10) based on a risk-based capital ratio of 19.4 and a capital leverage ratio of 10.6. A current level of 0.7 percent of nonperforming loans to core capital combined with 3.0 percent from a year earlier contributes to the Good asset quality (6.8).
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 (5.5 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 1.0 has resulted in Good (5.4) profitability.
Asset Mix:
Securities (34%), home mtgs (18%), comm re (15%), cash (7%), consumer loans (3%), comm loans (3%), home eq lns (1%), other (19%)
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
FBDC Financial Corp.
Investment Rating
--
Address
1400 Gault Avenue, North
Fort Payne, AL 35967
Fort Payne, AL 35967
Phone Number
(256) 845-1077
Year Founded
1965
FDIC Number
Website
Largest Affiliates
No affiliate information available.