Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 14.3. A current level of 2.2 percent of nonperforming loans to core capital combined with 0.9 percent from a year earlier contributes to the Excellent asset quality (8.9).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.0 on a scale of 0 to 10). Fair liquidity 4.7, driven by a liquidity ratio of 59.7 percent and a “hot money” ratio of 26.7 percent.
Asset Mix:
Securities (50%), home mtgs (12%), comm re (11%), comm loans (9%), cash (5%), consumer loans (3%), other (10%)
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
Investment Rating
--
Address
146 West Front Street
Evergreen, AL 36401
Evergreen, AL 36401
Phone Number
(251) 578-2250
Year Founded
1932
FDIC Number
Largest Affiliates
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