Major Rating Factors:
A current level of 1.5 percent of nonperforming loans to core capital combined with 0.6 percent from a year earlier contributes to the Excellent asset quality (8.5). Excellent current capitalization (8.1 on a scale of 0 to 10) based on a risk-based capital ratio of 18.7 and a capital leverage ratio of 9.7.
Other Rating Factors:
Operating profits as a percentage of assets at 1.9%, coupled with a return on assets of 1.5 has resulted in Excellent (7.6) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.8 on a scale of 0 to 10).
Asset Mix:
Cash (25%), securities (22%), comm re (18%), home mtgs (7%), comm loans (7%), consumer loans (1%), home eq lns (1%), other (19%)
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
CBA Bankshares, Inc.
Investment Rating
--
Address
119 North Lee Street
Americus, GA 31709
Americus, GA 31709
Phone Number
(229) 924-4011
Year Founded
1937
FDIC Number
Website
Largest Affiliates
No affiliate information available.