Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (1.5 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.1%, coupled with a return on assets of 0.1 has resulted in Weak (1.7) profitability.
Other Rating Factors:
A current level of 14.0 percent of nonperforming loans to core capital combined with -18.6 percent from a year earlier contributes to the Fair asset quality (4.2). Fair liquidity 4.3, driven by a liquidity ratio of 29.0 percent and a “hot money” ratio of 20.6 percent.
Asset Mix:
Securities (46%), comm loans (8%), comm re (7%), cash (6%), consumer loans (5%), home mtgs (4%), other (25%)
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.