Major 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 (5.0 on a scale of 0 to 10). Operating profits as a percentage of assets at 2.0%, coupled with a return on assets of 1.6 has resulted in Excellent (7.8) profitability.
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 19.2 and a capital leverage ratio of 11.6. A current level of 2.0 percent of nonperforming loans to core capital combined with 2.1 percent from a year earlier contributes to the Excellent asset quality (8.0).
Asset Mix:
Securities (25%), home mtgs (14%), consumer loans (13%), comm re (10%), cash (9%), comm loans (4%), other (26%)
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
Lowndes Bancshares, Inc.
Investment Rating
--
Address
100 East Stevens Street
Quitman, GA 31643
Quitman, GA 31643
Phone Number
(229) 263-7575
Year Founded
1934
FDIC Number
Website
Largest Affiliates
Lakeland, GA
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Bank
Valdosta, GA
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Bank