Major Rating Factors:
A current level of 0.5 percent of nonperforming loans to core capital combined with 0.4 percent from a year earlier contributes to the Excellent asset quality (8.1). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.0 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (7.3 on a scale of 0 to 10) based on a risk-based capital ratio of 13.0 and a capital leverage ratio of 9.2. Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 1.1 has resulted in Good (5.6) profitability.
Asset Mix:
Comm re (29%), securities (16%), home mtgs (11%), cash (9%), comm loans (6%), home eq lns (3%), consumer loans (1%), other (24%)
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
Pinnacle Financial Corporation
Investment Rating
--
Address
884 Elbert Street
Elberton, GA 30635
Elberton, GA 30635
Phone Number
(706) 283-2854
Year Founded
1934
FDIC Number
Website
Largest Affiliates
No affiliate information available.