Queensborough National Bank & Trust Company
Major Rating Factors:
A current level of 5.1 percent of nonperforming loans to core capital combined with 3.1 percent from a year earlier contributes to the Good asset quality (7.0). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (7.0 on a scale of 0 to 10).
Other Rating Factors:
Good current capitalization (6.0 on a scale of 0 to 10) based on a risk-based capital ratio of 14.4 and a capital leverage ratio of 9.2. Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 0.8 has resulted in Fair (4.4) profitability.
Asset Mix:
Securities (28%), comm re (20%), home mtgs (11%), cash (9%), comm loans (5%), home eq lns (1%), consumer loans (1%), other (25%)
States with Branches:
GA, SC
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
The Queensborough Company
Investment Rating
--
Address
113 East Broad Street
Louisville, GA 30434
Louisville, GA 30434
Phone Number
(478) 625-2000
Year Founded
1902
FDIC Number
Website
Largest Affiliates
No affiliate information available.