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 1.4 percent of nonperforming loans to core capital combined with 2.9 percent from a year earlier contributes to the Good asset quality (6.5).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 15.8 and a capital leverage ratio of 12.6. Operating profits as a percentage of assets at 2.4%, coupled with a return on assets of 1.9 has resulted in Excellent (9.3) profitability.
Asset Mix:
Comm re (36%), home mtgs (13%), securities (12%), comm loans (4%), cash (4%), home eq lns (2%), consumer loans (1%), other (27%)
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.