Major Rating Factors:
Excellent current capitalization (8.3 on a scale of 0 to 10) and a capital leverage ratio of 9.9. A current level of 1.4 percent of nonperforming loans to core capital combined with 10.3 percent from a year earlier contributes to the Good asset quality (6.8).
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 (4.5 on a scale of 0 to 10). Fair liquidity 3.8, driven by a liquidity ratio of 30.5 percent and a “hot money” ratio of 14.8 percent.
Asset Mix:
Securities (24%), comm re (20%), cash (12%), home mtgs (8%), comm loans (8%), consumer loans (2%), other (27%)
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.