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 (5.0 on a scale of 0 to 10). A current level of 5.0 percent of nonperforming loans to core capital combined with 2.4 percent from a year earlier contributes to the Good asset quality (5.5).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 18.3 and a capital leverage ratio of 13.3. Operating profits as a percentage of assets at 1.9%, coupled with a return on assets of 1.9 has resulted in Excellent (8.2) profitability.
Asset Mix:
Comm re (33%), home mtgs (22%), securities (12%), cash (10%), consumer loans (6%), comm loans (6%), other (11%)
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
Farmers Bancshares, Inc.
Investment Rating
--
Address
1620 Veterans Boulevard
Dublin, GA 31021
Dublin, GA 31021
Phone Number
(478) 275-3223
Year Founded
1934
FDIC Number
Largest Affiliates
McRae-Helena, GA
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Bank