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 20.8 and a capital leverage ratio of 14.5. Operating profits as a percentage of assets at 3.4%, coupled with a return on assets of 3.3 has resulted in Excellent (10.0) profitability.
Other Rating Factors:
A current level of 5.0 percent of nonperforming loans to core capital combined with 9.9 percent from a year earlier contributes to the Good asset quality (6.1). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.7 on a scale of 0 to 10).
Asset Mix:
Home mtgs (23%), cash (13%), comm re (13%), securities (10%), comm loans (6%), consumer loans (5%), home eq lns (2%), other (28%)
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
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