Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (5.0 on a scale of 0 to 10). Good current capitalization (5.8 on a scale of 0 to 10) based on a net capital to total assets of 8.2 and a net worth ratio of 11.0.
Other Rating Factors:
A current level of 8.5 percent of nonperforming loans to core capital combined with 6.8 percent from a year earlier contributes to the Good asset quality (6.9). Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 0.9 has resulted in Good (5.8) profitability.
Asset Mix:
Consumer loans (45%), home mtgs (19%), other (37%)
Corporate Info
711 East Henderson Avenue
Tampa, FL 33602
Tampa, FL 33602
(813) 871-2690
Largest Competitors
Tampa, FL
Tampa, FL
Tampa, FL
Tampa, FL
Tampa, FL