Major Rating Factors:
A current level of 11.6 percent of nonperforming loans to core capital combined with 6.7 percent from a year earlier contributes to the Fair asset quality (4.7). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.3 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 28.3 and a capital leverage ratio of 19.2. Operating profits as a percentage of assets at 2.3%, coupled with a return on assets of 1.8 has resulted in Excellent (9.7) profitability.
Asset Mix:
Securities (17%), comm re (14%), cash (12%), home mtgs (11%), comm loans (6%), consumer loans (1%), other (38%)
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
First State Bancshares of Blakely, Inc.
Investment Rating
--
Address
2213 South Main Street
Blakely, GA 39823
Blakely, GA 39823
Phone Number
(229) 723-3711
Year Founded
1903
FDIC Number
Website
Largest Affiliates
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