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 3.1 percent of nonperforming loans to core capital combined with 2.8 percent from a year earlier contributes to the Excellent asset quality (7.9).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 19.6 and a capital leverage ratio of 12.3. Operating profits as a percentage of assets at 2.4%, coupled with a return on assets of 1.7 has resulted in Excellent (9.8) profitability.
Asset Mix:
Home mtgs (33%), cash (15%), comm re (13%), securities (7%), consumer loans (4%), comm loans (3%), other (24%)
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
124 East Dykes Street
Cochran, GA 31014
Cochran, GA 31014
Phone Number
(478) 934-6277
Year Founded
1942
FDIC Number
Website
Largest Affiliates
Eatonton, GA
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Bank
Pembroke, GA
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Bank
Greensboro, GA
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Bank