Phenix-Girard Bank
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (2.6 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.8 has resulted in Fair (3.6) profitability.
Other Rating Factors:
Fair liquidity 5.0, driven by a liquidity ratio of 17.9 percent and a “hot money” ratio of 7.4 percent. A current level of 0.1 percent of nonperforming loans to core capital combined with 130.5 percent from a year earlier contributes to the Excellent asset quality (9.9).
Asset Mix:
Securities (62%), cash (11%), comm re (8%), home mtgs (7%), comm loans (1%), consumer loans (0%), other (11%)
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
Phenix-Girard Bancshares, Inc.
Investment Rating
--
Address
801 13th Street
Phenix City, AL 36867
Phenix City, AL 36867
Phone Number
(334) 298-0691
Year Founded
1904
FDIC Number
Website
Largest Affiliates
No affiliate information available.