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 2.8 percent of nonperforming loans to core capital combined with 2.1 percent from a year earlier contributes to the Excellent asset quality (7.5).
Other Rating Factors:
Excellent current capitalization (9.3 on a scale of 0 to 10) and a capital leverage ratio of 10.5. Operating profits as a percentage of assets at 2.4%, coupled with a return on assets of 1.8 has resulted in Excellent (9.0) profitability.
Asset Mix:
Home mtgs (29%), comm re (19%), comm loans (12%), securities (10%), cash (5%), home eq lns (3%), consumer loans (1%), other (21%)
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
CSRA Bank Corp.
Investment Rating
--
Address
300 East Broad Street
Wrens, GA 30833
Wrens, GA 30833
Phone Number
(706) 547-6502
Year Founded
1964
FDIC Number
Website
Largest Affiliates
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