Major Rating Factors:
Operating profits as a percentage of assets at 2.7%, coupled with a return on assets of 2.7 has resulted in Excellent (10.0) profitability. A current level of 1.7 percent of nonperforming loans to core capital combined with 4.3 percent from a year earlier contributes to the Excellent asset quality (8.7).
Other Rating Factors:
Excellent current capitalization (7.7 on a scale of 0 to 10) based on a risk-based capital ratio of 17.6 and a capital leverage ratio of 9.5. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.3 on a scale of 0 to 10).
Asset Mix:
Home mtgs (35%), securities (32%), comm re (5%), consumer loans (5%), cash (3%), home eq lns (2%), comm loans (1%), 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
Tri-States Bankshares, Inc.
Investment Rating
--
Address
12634 North Main Street
Trenton, GA 30752
Trenton, GA 30752
Phone Number
(706) 657-6842
Year Founded
1956
FDIC Number
Website
Largest Affiliates
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