Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Very Weak overall stability index (0.3 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.0%, coupled with a return on assets of 0.0 has resulted in Weak (1.5) profitability.
Other Rating Factors:
Fair liquidity 4.6, driven by a liquidity ratio of 32.4 percent and a “hot money” ratio of 19.2 percent. A current level of 14.1 percent of nonperforming loans to core capital combined with -45.2 percent from a year earlier contributes to the Good asset quality (5.2).
Asset Mix:
Securities (46%), comm loans (8%), comm re (7%), cash (5%), consumer loans (4%), home mtgs (4%), 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
Investment Rating
--
Address
81 Court Street
Cuthbert, GA 39840
Cuthbert, GA 39840
Phone Number
(229) 732-3791
Year Founded
1900
FDIC Number
Largest Affiliates
No affiliate information available.