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 1.5 percent of nonperforming loans to core capital combined with 3.0 percent from a year earlier contributes to the Good asset quality (6.6).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 18.4 and a capital leverage ratio of 13.3. Operating profits as a percentage of assets at 2.0%, coupled with a return on assets of 2.0 has resulted in Excellent (8.3) profitability.
Asset Mix:
Comm re (32%), home mtgs (21%), securities (12%), cash (10%), consumer loans (7%), comm loans (6%), other (13%)
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
-
Bank