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). Excellent current capitalization (7.8 on a scale of 0 to 10) based on a risk-based capital ratio of 12.7 and a capital leverage ratio of 9.5.
Other Rating Factors:
A current level of 1.8 percent of nonperforming loans to core capital combined with 2.5 percent from a year earlier contributes to the Excellent asset quality (8.2). Operating profits as a percentage of assets at 2.2%, coupled with a return on assets of 1.7 has resulted in Excellent (8.0) profitability.
Asset Mix:
Home mtgs (27%), comm re (17%), comm loans (13%), securities (11%), home eq lns (4%), cash (3%), consumer loans (1%), other (24%)
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
No affiliate information available.