Major Rating Factors:
Operating profits as a percentage of assets at 2.3%, coupled with a return on assets of 2.1 has resulted in Excellent (9.0) profitability. A current level of 0.4 percent of nonperforming loans to core capital combined with 0.6 percent from a year earlier contributes to the Excellent asset quality (8.7).
Other Rating Factors:
Excellent current capitalization (8.3 on a scale of 0 to 10) and a capital leverage ratio of 9.8. 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 (22%), home mtgs (17%), cash (13%), securities (11%), comm loans (9%), home eq lns (5%), consumer loans (2%), other (22%)
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
No affiliate information available.