Major Rating Factors:
Excellent current capitalization (8.5 on a scale of 0 to 10) based on a risk-based capital ratio of 20.2 and a capital leverage ratio of 10.0. A current level of 3.2 percent of nonperforming loans to core capital combined with 1.0 percent from a year earlier contributes to the Excellent asset quality (7.5).
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 (4.3 on a scale of 0 to 10). Fair liquidity 3.7, driven by a liquidity ratio of 30.3 percent and a “hot money” ratio of 22.2 percent.
Asset Mix:
Securities (27%), home mtgs (22%), cash (18%), comm loans (9%), consumer loans (3%), comm re (3%), 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
No affiliate information available.