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 4.3 percent of nonperforming loans to core capital combined with 6.6 percent from a year earlier contributes to the Good asset quality (5.7).
Other Rating Factors:
Excellent current capitalization (7.2 on a scale of 0 to 10) and a capital leverage ratio of 9.2. Operating profits as a percentage of assets at 1.7%, coupled with a return on assets of 1.3 has resulted in Good (7.0) profitability.
Asset Mix:
Home mtgs (39%), comm re (11%), cash (10%), consumer loans (7%), comm loans (6%), securities (6%), home eq lns (5%), other (15%)
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
No affiliate information available.