Major Rating Factors:
Excellent current capitalization (8.6 on a scale of 0 to 10) based on a risk-based capital ratio of 18.1 and a capital leverage ratio of 10.1. A current level of 0.7 percent of nonperforming loans to core capital combined with 8.0 percent from a year earlier contributes to the Excellent asset quality (8.0).
Other Rating Factors:
Operating profits as a percentage of assets at 1.8%, coupled with a return on assets of 1.4 has resulted in Good (6.5) profitability. Fair liquidity 4.9, driven by a liquidity ratio of 48.4 percent and a “hot money” ratio of 7.2 percent.
Asset Mix:
Securities (34%), cash (19%), comm re (14%), home mtgs (7%), comm loans (5%), home eq lns (2%), consumer loans (1%), other (16%)
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
Investment Rating
--
Address
318 South Hill Street
Griffin, GA 30224
Griffin, GA 30224
Phone Number
(770) 227-2251
Year Founded
1933
FDIC Number
Website
Largest Affiliates
No affiliate information available.