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 (4.3 on a scale of 0 to 10). A current level of 2.3 percent of nonperforming loans to core capital combined with 17.5 percent from a year earlier contributes to the Good asset quality (5.8).
Other Rating Factors:
Excellent current capitalization (8.7 on a scale of 0 to 10) based on a risk-based capital ratio of 13.9 and a capital leverage ratio of 10.2. Operating profits as a percentage of assets at 1.6%, coupled with a return on assets of 1.6 has resulted in Good (5.8) profitability.
Asset Mix:
Comm re (24%), securities (17%), home mtgs (14%), comm loans (14%), cash (4%), consumer loans (3%), home eq lns (1%), other (22%)
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
Altamaha Bancshares, Inc.
Investment Rating
--
Address
206 Jackson Street
Vidalia, GA 30474
Vidalia, GA 30474
Phone Number
(912) 537-1921
Year Founded
1966
FDIC Number
Website
Largest Affiliates
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