Major Rating Factors:
A current level of 0.7 percent of nonperforming loans to core capital combined with 3.5 percent from a year earlier contributes to the Excellent asset quality (8.7). Excellent current capitalization (8.6 on a scale of 0 to 10) based on a risk-based capital ratio of 15.1 and a capital leverage ratio of 10.1.
Other Rating Factors:
Operating profits as a percentage of assets at 2.2%, coupled with a return on assets of 2.1 has resulted in Excellent (7.9) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.3 on a scale of 0 to 10).
Asset Mix:
Comm re (30%), securities (21%), home mtgs (13%), cash (9%), comm loans (3%), home eq lns (3%), consumer loans (1%), other (20%)
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
RBC, Inc.
Investment Rating
--
Address
216 North Walnut Avenue
Demopolis, AL 36732
Demopolis, AL 36732
Phone Number
(334) 289-3564
Year Founded
1870
FDIC Number
Website
Largest Affiliates
No affiliate information available.