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 2.4 percent of nonperforming loans to core capital combined with 1.5 percent from a year earlier contributes to the Good asset quality (6.3).
Other Rating Factors:
Excellent current capitalization (9.2 on a scale of 0 to 10) based on a risk-based capital ratio of 15.6 and a capital leverage ratio of 12.0. Operating profits as a percentage of assets at 1.8%, coupled with a return on assets of 1.4 has resulted in Good (6.8) profitability.
Asset Mix:
Comm re (35%), home mtgs (14%), securities (12%), cash (6%), comm loans (5%), home eq lns (2%), consumer loans (1%), other (25%)
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
Morris State Bancshares, Inc.
Investment Rating
Address
301 Bellevue Avenue
Dublin, GA 31021
Dublin, GA 31021
Phone Number
(478) 272-5202
Year Founded
1954
FDIC Number
Website
Largest Affiliates
No affiliate information available.