Major Rating Factors:
Excellent current capitalization (8.5 on a scale of 0 to 10) and a capital leverage ratio of 10.0. A current level of 3.7 percent of nonperforming loans to core capital combined with 3.2 percent from a year earlier contributes to the Good asset quality (5.8).
Other 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 (4.1 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.7 has resulted in Fair (3.9) profitability.
Asset Mix:
Securities (28%), comm re (22%), comm loans (9%), cash (8%), home mtgs (7%), consumer loans (1%), other (25%)
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
P & C Bank Shares, Inc.
Investment Rating
--
Address
21 North Harney Street
Camilla, GA 31730
Camilla, GA 31730
Phone Number
(229) 336-5271
Year Founded
1913
FDIC Number
Website
Largest Affiliates
No affiliate information available.