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 (2.9 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.4%, coupled with a return on assets of 0.4 has resulted in Weak (2.5) profitability.
Other Rating Factors:
Good current capitalization (6.2 on a scale of 0 to 10) based on a risk-based capital ratio of 14.3 and a capital leverage ratio of 9.6. A current level of 10.0 percent of nonperforming loans to core capital combined with 3.5 percent from a year earlier contributes to the Good asset quality (5.2).
Asset Mix:
Securities (30%), comm re (21%), cash (9%), home mtgs (8%), comm loans (4%), home eq lns (2%), consumer loans (1%), other (26%)
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
Union Bancshares, Inc.
Investment Rating
--
Address
2019 Cogswell Avenue
Pell City, AL 35125
Pell City, AL 35125
Phone Number
(205) 884-1520
Year Founded
1903
FDIC Number
Website
Largest Affiliates
There are no affiliate to display.