Bank of Lumber City
Major Rating Factors:
Excellent current capitalization (7.4 on a scale of 0 to 10) and a capital leverage ratio of 9.3. A current level of 2.7 percent of nonperforming loans to core capital contributes to the Excellent asset quality (7.1).
Other Rating Factors:
Fair liquidity 4.9, driven by a liquidity ratio of 52.2 percent and a “hot money” ratio of 9.5 percent. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.7 on a scale of 0 to 10).
Asset Mix:
Cash (28%), securities (19%), home mtgs (10%), comm re (7%), consumer loans (4%), comm loans (2%), other (30%)
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
Heart of Georgia Bancshares, Inc.
Investment Rating
--
Address
21 Main Street
Lumber City, GA 31549
Lumber City, GA 31549
Phone Number
(912) 363-4341
Year Founded
1945
FDIC Number
Website
Largest Affiliates
No affiliate information available.