Major Rating Factors:
Operating profits as a percentage of assets at 0.6%, coupled with a return on assets of 0.6 has resulted in Weak (3.0) 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 (7.1 on a scale of 0 to 10) and a capital leverage ratio of 9.0. A current level of 4.4 percent of nonperforming loans to core capital combined with 5.8 percent from a year earlier contributes to the Good asset quality (6.1).
Asset Mix:
Securities (38%), home mtgs (26%), comm loans (8%), comm re (7%), consumer loans (6%), cash (3%), home eq lns (1%), other (11%)
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.