Major Rating Factors:
Excellent current capitalization (8.9 on a scale of 0 to 10) based on a risk-based capital ratio of 20.8 and a capital leverage ratio of 10.2. A current level of 2.4 percent of nonperforming loans to core capital combined with 2.8 percent from a year earlier contributes to the Excellent asset quality (7.9).
Other 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 (4.5 on a scale of 0 to 10). Fair liquidity 3.6, driven by a liquidity ratio of 29.0 percent and a “hot money” ratio of 23.5 percent.
Asset Mix:
Securities (24%), home mtgs (21%), cash (19%), comm loans (12%), consumer loans (2%), comm re (2%), other (18%)
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
Alapaha Holding Company
Investment Rating
--
Address
245 NE Railroad Street
Alapaha, GA 31622
Alapaha, GA 31622
Phone Number
(229) 532-6115
Year Founded
1905
FDIC Number
Website
Largest Affiliates
There are no affiliate to display.