Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 18.5 and a capital leverage ratio of 12.6. Operating profits as a percentage of assets at 2.1%, coupled with a return on assets of 1.7 has resulted in Excellent (8.3) profitability.
Other Rating Factors:
A current level of 0.2 percent of nonperforming loans to core capital combined with 0.3 percent from a year earlier contributes to the Excellent asset quality (7.7). 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 (34%), securities (19%), home mtgs (18%), comm loans (2%), cash (2%), home eq lns (2%), consumer loans (2%), other (21%)
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
First American Bancorp
Investment Rating
--
Address
300 College Avenue
Athens, GA 30601
Athens, GA 30601
Phone Number
(706) 354-5000
Year Founded
1928
FDIC Number
Website
Largest Affiliates
No affiliate information available.