Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 12.8. Operating profits as a percentage of assets at 1.7%, coupled with a return on assets of 1.4 has resulted in Good (6.5) profitability.
Other Rating Factors:
A current level of 6.3 percent of nonperforming loans to core capital combined with 4.0 percent from a year earlier contributes to the Good asset quality (6.4). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.7 on a scale of 0 to 10).
Asset Mix:
Securities (24%), comm re (23%), home mtgs (14%), comm loans (12%), cash (6%), home eq lns (2%), consumer loans (2%), other (18%)
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
Trust No. 3 Under The Will of Charles Henderson
Investment Rating
--
Address
1000 Highway 231 South
Troy, AL 36081
Troy, AL 36081
Phone Number
(334) 566-4000
Year Founded
1906
FDIC Number
Website
Largest Affiliates
There are no affiliate to display.