Major Rating Factors:
Operating profits as a percentage of assets at 0.1%, coupled with a return on assets of 0.1 has resulted in Very Weak (0.9) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (2.9 on a scale of 0 to 10).
Other Rating Factors:
Very Weak liquidity 0.5, driven by a liquidity ratio of 16.5 percent and a “hot money” ratio of 53.1 percent. A current level of 16.4 percent of nonperforming loans to core capital combined with 12.0 percent from a year earlier contributes to the Fair asset quality (3.2).
Asset Mix:
Comm loans (17%), securities (13%), cash (13%), comm re (8%), home mtgs (7%), consumer loans (4%), home eq lns (2%), other (36%)
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
ST Hldgs, Inc.
Investment Rating
--
Address
800 Ashley Street
Rochelle, GA 31079
Rochelle, GA 31079
Phone Number
(229) 365-2236
Year Founded
1947
FDIC Number
Website
Largest Affiliates
No affiliate information available.