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 (4.3 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.6%, coupled with a return on assets of 1.5 has resulted in Good (6.4) profitability.
Other Rating Factors:
Excellent current capitalization (9.9 on a scale of 0 to 10) and a capital leverage ratio of 10.9. A current level of 0.2 percent of nonperforming loans to core capital combined with 0.6 percent from a year earlier contributes to the Excellent asset quality (8.7).
Asset Mix:
Home mtgs (30%), comm re (21%), securities (9%), cash (8%), consumer loans (4%), home eq lns (3%), comm loans (2%), other (24%)
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
Relations Bancshares, Inc.
Investment Rating
--
Address
607 Highway 78, East
Jasper, AL 35501
Jasper, AL 35501
Phone Number
(205) 295-0033
Year Founded
2004
FDIC Number
Largest Affiliates
No affiliate information available.