Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 20.6 and a capital leverage ratio of 11.3. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.3 on a scale of 0 to 10).
Other Rating Factors:
A current level of 5.6 percent of nonperforming loans to core capital combined with 5.2 percent from a year earlier contributes to the Good asset quality (6.7). Operating profits as a percentage of assets at 1.6%, coupled with a return on assets of 1.3 has resulted in Good (6.3) profitability.
Asset Mix:
Home mtgs (34%), securities (28%), consumer loans (9%), cash (7%), comm re (5%), comm loans (5%), home eq lns (2%), 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
HomeTown Bancorp of Alabama, Inc.
Investment Rating
--
Address
2002 Second Avenue, East
Oneonta, AL 35121
Oneonta, AL 35121
Phone Number
(205) 625-4434
Year Founded
2003
FDIC Number
Website
Largest Affiliates
No affiliate information available.