First National Bank

Major Rating Factors: Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 16.1. A current level of 0.7 percent of nonperforming loans to core capital combined with 0.6 percent from a year earlier contributes to the Excellent asset quality (8.8).

Other Rating Factors: A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.7 on a scale of 0 to 10). Operating profits as a percentage of assets at 2.6%, coupled with a return on assets of 2.5 has resulted in Excellent (8.3) profitability.

Asset Mix: Securities (46%), home mtgs (12%), comm loans (7%), consumer loans (7%), comm re (6%), cash (3%), other (19%)

States with Branches: AL

Asset Quality

Non-Performing Loans to Capital

0.69%

Non-Performing Assets to Assets

0.13%

Non-Performing Loans to Loans

0.34%

Loan Loss Reserves to Loans

1.25%

Charge-Offs to Average Loans

0.23%

5-Year Charge-Offs to Average Loans

0.17%

5-Year Asset Growth

5.65%

1-Year Asset Growth

-3.33%

Profitability

Operating Profit to Average Assets

2.62%

Return on Equity

20.63%

Net Interest Spread

4.50%

5-Year ROAA (Return on Average Assets)

1.36%

Overhead Efficiency Ratio

44.71%

Liquidity

Liquidity Ratio

49.85%

Hot Money

4.60%

Corporate Info

Group Affiliation

Marion County Bancshares, Inc.

Investment Rating

Address

341 Military Street, South
Hamilton, AL 35570

Phone Number

(205) 921-7435

Year Founded

1976

FDIC Number

22271

Website

http://www.fnbhamilton.com

Largest Affiliates

No affiliate information available.