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 (1.6 on a scale of 0 to 10).
Other Rating Factors:
A current level of 17.1 percent of nonperforming loans to core capital combined with 290.6 percent from a year earlier contributes to the Fair asset quality (3.7). Fair liquidity 4.5, driven by a liquidity ratio of 35.5 percent and a “hot money” ratio of 22.5 percent.
Asset Mix:
Securities (43%), comm re (9%), comm loans (7%), cash (6%), consumer loans (4%), home mtgs (3%), other (29%)
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
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