Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.7 on a scale of 0 to 10). A current level of 2.8 percent of nonperforming loans to core capital combined with 4.1 percent from a year earlier contributes to the Good asset quality (6.2).
Other Rating Factors:
Operating profits as a percentage of assets at 2.1%, coupled with a return on assets of 1.6 has resulted in Excellent (8.3) profitability. Excellent current capitalization (8.0 on a scale of 0 to 10) and a capital leverage ratio of 9.7.
Asset Mix:
Home mtgs (41%), comm re (11%), cash (9%), comm loans (6%), consumer loans (6%), securities (6%), home eq lns (4%), 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
26 West Monroe Street
Talbotton, GA 31827
Talbotton, GA 31827
Phone Number
(706) 665-8551
Year Founded
1891
FDIC Number
Website
Largest Affiliates
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