| Weiss Ratings |
The Merchants & Citizens Bank
McRae, GA |
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| Rating | ||||
| Asset Quality Index | 8.50 | |||
| Capitalization Index | 10.00 | |||
| Liquidity Index | 4.50 | |||
| Profitability Index | 2.00 | |||
| Stability Index | 5.70 | |||
| Company Info |
The Merchants & Citizens Bank
McRae, GA |
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| FDIC Number | 183 | |||
| Phone Number | (229) 868-5656 | |||
| Website | www.merchantsandcitizensbank.com | |||
| Asset Quality |
The Merchants & Citizens Bank
McRae, GA |
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| 1-Year Asset Growth | 8.97% | |||
| 5-Year Asset Growth | 5.87% | |||
| 5-Year Charge-Offs to Average Loans | -0.03% | |||
| Charge-Offs to Average Loans | 0.18% | |||
| Non-Performing Assets to Assets | 0.06% | |||
| Non-Performing Loans to Capital | 0.28% | |||
| Non-Performing Loans to Loans | 0.18% | |||
| Balance Sheet |
The Merchants & Citizens Bank
McRae, GA |
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| Total Assets | 141.50M | |||
| Total Deposits | 127.18M | |||
| Capital and Reserves |
The Merchants & Citizens Bank
McRae, GA |
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| Capital | 12.12M | |||
| Leverage Ratio | 13.53 | |||
| Loan Loss Reserves to Loans | 2.04% | |||
| Risk-Based Capital Ratio | 24.68 | |||
| Liquidity |
The Merchants & Citizens Bank
McRae, GA |
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| Hot Money Ratio | 25.09% | |||
| Liquidity Ratio | 29.60% | |||
| Profitability |
The Merchants & Citizens Bank
McRae, GA |
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| 5-Year Return on Average Assets | 0.76% | |||
| Net Income | 130.00K | |||
| Net Interest Spread | 3.04% | |||
| Operating Profit to Average Assets | 0.32% | |||
| Overhead Efficiency Ratio | 89.62% | |||
| Return on Assets | 0.37% | |||
| Return on Equity | 4.43% | |||