Major Rating Factors:
Operating profits as a percentage of assets at 3.0%, coupled with a return on assets of 3.0 has resulted in Excellent (10.0) profitability. A current level of 0.1 percent of nonperforming loans to core capital contributes to the Excellent asset quality (8.8).
Other Rating Factors:
Excellent current capitalization (8.3 on a scale of 0 to 10) and a capital leverage ratio of 9.9. 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 (23%), home mtgs (21%), securities (20%), comm loans (4%), cash (4%), home eq lns (4%), consumer loans (2%), 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
TCB Bancshares, Inc.
Investment Rating
--
Address
102 North Church Street
Crawford, GA 30630
Crawford, GA 30630
Phone Number
(706) 743-8184
Year Founded
1924
FDIC Number
Website
Largest Affiliates
No affiliate information available.