Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 12.2. Operating profits as a percentage of assets at 2.6%, coupled with a return on assets of 2.5 has resulted in Excellent (9.8) profitability.
Other Rating Factors:
A current level of 0.6 percent of nonperforming loans to core capital combined with 0.6 percent from a year earlier contributes to the Excellent asset quality (9.0). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (7.0 on a scale of 0 to 10).
Asset Mix:
Securities (22%), cash (19%), home mtgs (9%), comm re (8%), comm loans (5%), consumer loans (2%), home eq lns (1%), other (33%)
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 Security Bankshares, Inc.
Investment Rating
--
Address
12461 Augusta Road
Lavonia, GA 30553
Lavonia, GA 30553
Phone Number
(706) 356-4444
Year Founded
1906
FDIC Number
Website
Largest Affiliates
No affiliate information available.