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 (5.0 on a scale of 0 to 10). A current level of 0.0 percent of nonperforming loans to core capital combined with 0.0 percent from a year earlier contributes to the Good asset quality (6.9).
Other Rating Factors:
Operating profits as a percentage of assets at 1.9%, coupled with a return on assets of 1.9 has resulted in Excellent (8.1) profitability. Good current capitalization (6.9 on a scale of 0 to 10) based on a risk-based capital ratio of 14.2 and a capital leverage ratio of 9.7.
Asset Mix:
Comm re (42%), securities (17%), cash (16%), comm loans (11%), home mtgs (2%), home eq lns (2%), consumer loans (0%), other (10%)
States with Branches:
FL
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
Investment Rating
--
Address
711 North Orlando Avenue
Maitland, FL 32751
Maitland, FL 32751
Phone Number
(407) 740-0401
Year Founded
2008
FDIC Number
Website
Largest Affiliates
No affiliate information available.