Major Rating Factors:
A current level of 0.3 percent of nonperforming loans to core capital combined with 0.6 percent from a year earlier contributes to the Excellent asset quality (8.6). Excellent current capitalization (7.6 on a scale of 0 to 10) based on a risk-based capital ratio of 13.2 and a capital leverage ratio of 9.4.
Other Rating Factors:
Operating profits as a percentage of assets at 1.6%, coupled with a return on assets of 1.6 has resulted in Good (6.1) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.7 on a scale of 0 to 10).
Asset Mix:
Comm re (30%), securities (21%), home mtgs (13%), comm loans (6%), cash (5%), home eq lns (5%), consumer loans (2%), other (17%)
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
Great Oaks Financial Holdings Inc
Investment Rating
--
Address
5101 Fifth Avenue
Eastman, GA 31023
Eastman, GA 31023
Phone Number
(478) 374-4754
Year Founded
1934
FDIC Number
Website
Largest Affiliates
No affiliate information available.