Local Bank
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.0 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 16.2. A current level of 0.8 percent of nonperforming loans to core capital combined with 1.5 percent from a year earlier contributes to the Excellent asset quality (7.2).
Asset Mix:
Home mtgs (22%), comm re (16%), cash (14%), home eq lns (11%), comm loans (8%), securities (2%), consumer loans (1%), other (25%)
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
Local Bancorp, Inc.
Investment Rating
--
Address
205 McFarland Circle North
Tuscaloosa, AL 35406
Tuscaloosa, AL 35406
Phone Number
(205) 894-8886
Year Founded
1914
FDIC Number
Website
Largest Affiliates
No affiliate information available.