Major Rating Factors:
Operating profits as a percentage of assets at 0.8%, coupled with a return on assets of 0.7 has resulted in Fair (3.5) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (2.7 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (7.5 on a scale of 0 to 10) and a capital leverage ratio of 9.3. A current level of 8.2 percent of nonperforming loans to core capital combined with 6.7 percent from a year earlier contributes to the Good asset quality (5.5).
Asset Mix:
Securities (29%), home mtgs (29%), comm loans (10%), comm re (8%), consumer loans (6%), cash (3%), home eq lns (2%), other (13%)
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
Peoples Bancorporation, Inc.
Investment Rating
--
Address
1945 U.S. Highway 43
Winfield, AL 35594
Winfield, AL 35594
Phone Number
(205) 487-4265
Year Founded
1907
FDIC Number
Website
Largest Affiliates
No affiliate information available.