Bank47
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Very Weak overall stability index (0.3 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 34.9 and a capital leverage ratio of 17.1. A current level of 3.4 percent of nonperforming loans to core capital combined with 4.6 percent from a year earlier contributes to the Good asset quality (6.9).
Asset Mix:
Securities (28%), cash (22%), consumer loans (18%), comm re (10%), home mtgs (7%), comm loans (3%), other (12%)
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
LS Investor Group, LLC
Investment Rating
--
Address
202 North Powell Street
Union Springs, AL 36089
Union Springs, AL 36089
Phone Number
(334) 738-5322
Year Founded
1990
FDIC Number
Website
Largest Affiliates
LaGrange, GA
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Bank