Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.7 on a scale of 0 to 10). A current level of 6.1 percent of nonperforming loans to core capital combined with 3.4 percent from a year earlier contributes to the Good asset quality (5.3).
Other Rating Factors:
Excellent current capitalization (8.4 on a scale of 0 to 10) based on a risk-based capital ratio of 14.7 and a capital leverage ratio of 9.9. Operating profits as a percentage of assets at 1.8%, coupled with a return on assets of 1.4 has resulted in Excellent (7.6) profitability.
Asset Mix:
Home mtgs (29%), comm loans (17%), cash (15%), comm re (11%), consumer loans (4%), securities (3%), home eq lns (2%), other (19%)
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
Traditions Bancshares, Inc.
Investment Rating
--
Address
109 Second Avenue, NW
Cullman, AL 35055
Cullman, AL 35055
Phone Number
(256) 735-2121
Year Founded
2003
FDIC Number
Website
Largest Affiliates
No affiliate information available.