Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 31.8 and a capital leverage ratio of 16.2. Operating profits as a percentage of assets at 1.9%, coupled with a return on assets of 1.9 has resulted in Excellent (8.4) profitability.
Other Rating Factors:
A current level of 4.6 percent of nonperforming loans to core capital combined with 5.3 percent from a year earlier contributes to the Good asset quality (6.7). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.3 on a scale of 0 to 10).
Asset Mix:
Cash (35%), home mtgs (29%), consumer loans (6%), comm re (3%), comm loans (3%), securities (2%), home eq lns (1%), other (20%)
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
Lindsey Family Trust
Investment Rating
--
Address
50 West Central Avenue
Lenox, GA 31637
Lenox, GA 31637
Phone Number
(229) 546-4215
Year Founded
1906
FDIC Number
Website
Largest Affiliates
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