Bank of Monticello
Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 20.4 and a capital leverage ratio of 14.6. Operating profits as a percentage of assets at 3.1%, coupled with a return on assets of 3.0 has resulted in Excellent (10.0) profitability.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (9.1 on a scale of 0 to 10). A current level of 6.7 percent of nonperforming loans to core capital combined with 9.3 percent from a year earlier contributes to the Good asset quality (5.6).
Asset Mix:
Home mtgs (23%), cash (14%), comm re (12%), securities (10%), comm loans (7%), consumer loans (6%), home eq lns (2%), other (26%)
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
Monticello Bancshares, Inc.
Investment Rating
--
Address
141 East Greene Street
Monticello, GA 31064
Monticello, GA 31064
Phone Number
(706) 468-6418
Year Founded
1909
FDIC Number
Website
Largest Affiliates
No affiliate information available.