Major Rating Factors:
Operating profits as a percentage of assets at 1.8%, coupled with a return on assets of 1.8 has resulted in Excellent (7.4) profitability. Good current capitalization (6.2 on a scale of 0 to 10) based on a risk-based capital ratio of 13.3 and a capital leverage ratio of 9.1.
Other Rating Factors:
A current level of 3.1 percent of nonperforming loans to core capital contributes to the Good asset quality (5.7). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.7 on a scale of 0 to 10).
Asset Mix:
Comm re (44%), securities (17%), cash (13%), comm loans (10%), home mtgs (3%), home eq lns (1%), consumer loans (0%), other (12%)
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.