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 20.6 and a capital leverage ratio of 14.5. Operating profits as a percentage of assets at 3.3%, coupled with a return on assets of 3.2 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 (8.7 on a scale of 0 to 10). A current level of 8.3 percent of nonperforming loans to core capital combined with 8.1 percent from a year earlier contributes to the Good asset quality (5.3).
Asset Mix:
Home mtgs (23%), securities (12%), comm re (12%), cash (11%), comm loans (6%), consumer loans (6%), home eq lns (3%), other (27%)
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.