Alamerica Bank
Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 21.6 and a capital leverage ratio of 14.1. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.2 on a scale of 0 to 10).
Other Rating Factors:
A current level of 14.3 percent of nonperforming loans to core capital combined with 9.2 percent from a year earlier contributes to the Fair asset quality (4.6). Operating profits as a percentage of assets at 2.3%, coupled with a return on assets of 2.3 has resulted in Fair (3.2) profitability.
Asset Mix:
Cash (23%), comm re (20%), securities (14%), comm loans (13%), home mtgs (10%), home eq lns (4%), consumer loans (1%), other (15%)
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
Carver Financial Corporation
Investment Rating
--
Address
2170 Highland Avenue, South
Birmingham, AL 35205
Birmingham, AL 35205
Phone Number
(205) 558-4600
Year Founded
2000
FDIC Number
Website
Largest Affiliates
No affiliate information available.