Major Rating Factors:
Excellent current capitalization (9.8 on a scale of 0 to 10) and a capital leverage ratio of 10.9. A current level of 0.0 percent of nonperforming loans to core capital combined with 0.0 percent from a year earlier contributes to the Excellent asset quality (7.7).
Other Rating Factors:
Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 1.1 has resulted in Good (5.8) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.7 on a scale of 0 to 10).
Asset Mix:
Comm re (35%), home mtgs (17%), cash (15%), securities (9%), comm loans (3%), consumer loans (1%), other (20%)
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
Peoples Bankshares, Inc.
Investment Rating
--
Address
209 South Jefferson Avenue
Eatonton, GA 31024
Eatonton, GA 31024
Phone Number
(706) 485-8542
Year Founded
1943
FDIC Number
Website
Largest Affiliates
No affiliate information available.