Major Rating Factors:
Operating profits as a percentage of assets at 2.3%, coupled with a return on assets of 2.1 has resulted in Excellent (9.7) profitability. A current level of 1.7 percent of nonperforming loans to core capital combined with 2.8 percent from a year earlier contributes to the Excellent asset quality (7.5).
Other Rating Factors:
Good current capitalization (6.1 on a scale of 0 to 10) based on a risk-based capital ratio of 12.2 and a capital leverage ratio of 8.6. 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 (20%), home mtgs (12%), comm loans (6%), cash (6%), home eq lns (5%), consumer loans (3%), other (23%)
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
Central Alabama Bancshares, Inc.
Investment Rating
--
Address
715 Wilson Street
Wetumpka, AL 36092
Wetumpka, AL 36092
Phone Number
(334) 567-0081
Year Founded
2001
FDIC Number
Website
Largest Affiliates
No affiliate information available.