Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 12.5. Operating profits as a percentage of assets at 3.2%, coupled with a return on assets of 3.1 has resulted in Excellent (10.0) profitability.
Other Rating Factors:
A current level of 0.4 percent of nonperforming loans to core capital combined with 0.1 percent from a year earlier contributes to the Excellent asset quality (8.7). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.3 on a scale of 0 to 10).
Asset Mix:
Comm re (26%), cash (18%), home mtgs (18%), comm loans (9%), securities (4%), home eq lns (2%), consumer loans (0%), other (23%)
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
SunMark Bancshares, Inc.
Investment Rating
--
Address
1005 Northside Drive
Perry, GA 31069
Perry, GA 31069
Phone Number
(478) 224-3838
Year Founded
1949
FDIC Number
Website
Largest Affiliates
No affiliate information available.