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 (4.6 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.7 has resulted in Fair (3.7) profitability.
Other Rating Factors:
Good current capitalization (6.7 on a scale of 0 to 10) based on a risk-based capital ratio of 11.7 and a capital leverage ratio of 8.7. A current level of 3.3 percent of nonperforming loans to core capital combined with 4.1 percent from a year earlier contributes to the Good asset quality (5.3).
Asset Mix:
Comm re (42%), home mtgs (30%), securities (7%), cash (3%), comm loans (3%), home eq lns (1%), consumer loans (0%), other (13%)
States with Branches:
FL, GA
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 Financial Holdings, Inc.
Investment Rating
--
Address
20701 Bruce B. Downs Boulevard
Tampa, FL 33647
Tampa, FL 33647
Phone Number
(813) 929-4477
Year Founded
2007
FDIC Number
Website
Largest Affiliates
No affiliate information available.