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 2.1 percent of nonperforming loans to core capital combined with 0.6 percent from a year earlier contributes to the Excellent asset quality (8.1).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 20.1 and a capital leverage ratio of 13.4. Operating profits as a percentage of assets at 2.6%, coupled with a return on assets of 1.9 has resulted in Excellent (10.0) profitability.
Asset Mix:
Home mtgs (34%), comm re (15%), cash (9%), securities (6%), consumer loans (4%), comm loans (3%), other (28%)
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
-
Bank
Pembroke, GA
-
Bank
Greensboro, GA
-
Bank