Major Rating Factors:
Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 0.9 has resulted in Excellent (7.8) profitability. A current level of 11.4 percent of nonperforming loans to core capital contributes to the Good asset quality (6.0).
Other 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 (5.9 on a scale of 0 to 10). Good current capitalization (5.7 on a scale of 0 to 10) based on a net capital to total assets of 8.1 and a net worth ratio of 13.5.
Asset Mix:
Comm loans (24%), home mtgs (22%), consumer loans (17%), other (37%)
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
Address
5105 Montgomery Highway
Dothan, AL 36303
Dothan, AL 36303
Phone Number
(334) 793-7714
NCUA Charter Number
Website
Largest Competitors
Huntsville, AL
Daleville, AL
Birmingham, AL
Birmingham, AL
Montgomery, AL