Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 18.3 and a capital leverage ratio of 11.1. A current level of 0.5 percent of nonperforming loans to core capital combined with 1.0 percent from a year earlier contributes to the Excellent asset quality (9.1).
Other Rating Factors:
Operating profits as a percentage of assets at 2.1%, coupled with a return on assets of 1.7 has resulted in Excellent (8.2) profitability. Fair liquidity 4.3, driven by a liquidity ratio of 42.6 percent and a “hot money” ratio of 5.8 percent.
Asset Mix:
Securities (32%), comm re (21%), cash (13%), home mtgs (8%), comm loans (6%), home eq lns (2%), consumer loans (1%), 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
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.