The Geo. D. Warthen Bank
Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 21.3 and a capital leverage ratio of 11.5. A current level of 5.6 percent of nonperforming loans to core capital combined with 5.0 percent from a year earlier contributes to the Good asset quality (6.4).
Other Rating Factors:
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). Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 1.1 has resulted in Good (5.3) profitability.
Asset Mix:
Securities (26%), home mtgs (24%), cash (14%), comm loans (10%), consumer loans (7%), comm re (7%), 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
GDW Bankshares, Inc.
Investment Rating
--
Address
216 North Harris Street
Sandersville, GA 31082
Sandersville, GA 31082
Phone Number
(478) 552-6901
Year Founded
1871
FDIC Number
Website
Largest Affiliates
No affiliate information available.