Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 26.5 and a capital leverage ratio of 12.6. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (9.4 on a scale of 0 to 10).
Other Rating Factors:
Operating profits as a percentage of assets at 3.6%, coupled with a return on assets of 2.7 has resulted in Excellent (9.4) profitability. A current level of 0.7 percent of nonperforming loans to core capital combined with 3.2 percent from a year earlier contributes to the Excellent asset quality (8.8).
Asset Mix:
Securities (32%), cash (25%), comm re (12%), home mtgs (9%), home eq lns (4%), consumer loans (3%), comm loans (3%), other (12%)
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
United Bank Corporation
Investment Rating
--
Address
685 Griffin Street
Zebulon, GA 30295
Zebulon, GA 30295
Phone Number
(770) 567-7211
Year Founded
1905
FDIC Number
Website
Largest Affiliates
No affiliate information available.