Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 20.0. A current level of 1.1 percent of nonperforming loans to core capital combined with 0.9 percent from a year earlier contributes to the Excellent asset quality (9.1).
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 (7.6 on a scale of 0 to 10). Good liquidity 5.8, driven by a liquidity ratio of 56.9 percent and a “hot money” ratio of 13.3 percent.
Asset Mix:
Securities (55%), cash (20%), home mtgs (8%), consumer loans (6%), comm loans (2%), comm re (1%), other (8%)
States with Branches:
GA
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
Investment Rating
--
Address
12855 Broad Street
Sparta, GA 31087
Sparta, GA 31087
Phone Number
(706) 444-5781
Year Founded
1904
FDIC Number
Website
Largest Affiliates
No affiliate information available.