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 (0.3) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.4 on a scale of 0 to 10).
Other Rating Factors:
Very Weak liquidity 0.1, driven by a liquidity ratio of 8.4 percent and a “hot money” ratio of 53.7 percent. A current level of 12.4 percent of nonperforming loans to core capital combined with 8.3 percent from a year earlier contributes to the Fair asset quality (3.6).
Asset Mix:
Comm loans (15%), securities (14%), comm re (8%), cash (8%), home mtgs (6%), consumer loans (4%), home eq lns (2%), other (43%)
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.