Major Rating Factors:
A current level of 4.2 percent of nonperforming loans to core capital combined with 3.2 percent from a year earlier contributes to the Fair asset quality (4.1).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 19.0 and a capital leverage ratio of 16.5. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.6 on a scale of 0 to 10).
Asset Mix:
Consumer loans (55%), comm loans (33%), cash (8%), securities (0%), other (4%)
States with Branches:
FL
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
Independent Community Bankers of America
Investment Rating
--
Address
3501 East Frontage Road
Tampa, FL 33607
Tampa, FL 33607
Phone Number
(888) 640-1092
Year Founded
1998
FDIC Number
Largest Affiliates
No affiliate information available.