Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 15.8 and a net worth ratio of 17.7. Operating profits as a percentage of assets at 2.3%, coupled with a return on assets of 2.0 has resulted in Excellent (10.0) profitability.
Other Rating Factors:
A current level of 1.4 percent of nonperforming loans to core capital combined with 1.6 percent from a year earlier contributes to the Excellent asset quality (10.0). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.0 on a scale of 0 to 10).
Asset Mix:
Consumer loans (34%), home mtgs (5%), other (61%)
Corporate Info
2204 Family Security Place, SW
Decatur, AL 35603
Decatur, AL 35603
(256) 340-2000
Largest Competitors
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