Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 24.2 and a capital leverage ratio of 15.8. Operating profits as a percentage of assets at 2.8%, coupled with a return on assets of 2.7 has resulted in Excellent (10.0) profitability.
Other Rating Factors:
A current level of 0.2 percent of nonperforming loans to core capital combined with 0.4 percent from a year earlier contributes to the Excellent asset quality (8.5). 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 (28%), securities (22%), home mtgs (12%), comm loans (6%), cash (5%), consumer loans (4%), other (22%)
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 Bank Shares of the South East, Inc.
Investment Rating
--
Address
423 West 12th Street
Alma, GA 31510
Alma, GA 31510
Phone Number
(912) 632-7262
Year Founded
1951
FDIC Number
Website
Largest Affiliates
No affiliate information available.