Major Rating Factors:
A current level of 30.3 percent of nonperforming loans to core capital combined with 12.4 percent from a year earlier contributes to the Weak asset quality (1.1). Operating profits as a percentage of assets at 0.2%, coupled with a return on assets of 0.2 has resulted in Weak (1.4) profitability.
Other Rating Factors:
Very Weak liquidity 0.1, driven by a liquidity ratio of 9.9 percent and a “hot money” ratio of 49.4 percent. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.0 on a scale of 0 to 10).
Asset Mix:
Comm loans (17%), securities (12%), cash (9%), comm re (9%), home mtgs (7%), consumer loans (4%), home eq lns (1%), other (42%)
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
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