Major Rating Factors:
Operating profits as a percentage of assets at 2.1%, coupled with a return on assets of 2.0 has resulted in Excellent (8.7) profitability. A current level of 1.1 percent of nonperforming loans to core capital combined with 1.6 percent from a year earlier contributes to the Excellent asset quality (8.5).
Other Rating Factors:
Good current capitalization (7.0 on a scale of 0 to 10) and a capital leverage ratio of 9.0. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.3 on a scale of 0 to 10).
Asset Mix:
Comm re (20%), securities (18%), home mtgs (16%), cash (9%), comm loans (8%), home eq lns (4%), consumer 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
Central State Bancorporation
Investment Rating
--
Address
11025 Highway 25
Calera, AL 35040
Calera, AL 35040
Phone Number
(205) 668-0711
Year Founded
1916
FDIC Number
Website
Largest Affiliates
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