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 (3.7 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.2%, coupled with a return on assets of 0.3 has resulted in Weak (1.8) profitability.
Other Rating Factors:
A current level of 0.7 percent of nonperforming loans to core capital contributes to the Excellent asset quality (9.8). Good current capitalization (6.2 on a scale of 0 to 10) based on a risk-based capital ratio of 18.6 and a capital leverage ratio of 8.2.
Asset Mix:
Securities (67%), comm re (13%), home mtgs (3%), cash (3%), comm loans (1%), consumer loans (1%), other (12%)
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
Putnam-Greene Financial Corporation
Investment Rating
--
Address
250 West Bacon Street
Pembroke, GA 31321
Pembroke, GA 31321
Phone Number
(912) 653-4396
Year Founded
1907
FDIC Number
Website
Largest Affiliates
Eatonton, GA
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Bank
Cochran, GA
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Bank
Greensboro, GA
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Bank