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 (5.0 on a scale of 0 to 10). A current level of 3.0 percent of nonperforming loans to core capital combined with 2.7 percent from a year earlier contributes to the Good asset quality (6.4).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 13.8. Operating profits as a percentage of assets at 1.9%, coupled with a return on assets of 1.9 has resulted in Excellent (7.9) profitability.
Asset Mix:
Home mtgs (22%), cash (18%), consumer loans (15%), securities (13%), comm loans (9%), comm re (8%), other (15%)
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
Four County Bancshares, Inc.
Investment Rating
--
Address
959 Main Street
Allentown, GA 31003
Allentown, GA 31003
Phone Number
(478) 962-3221
Year Founded
1941
FDIC Number
Website
Largest Affiliates
There are no affiliate to display.