First Port City Bank
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (5.0 on a scale of 0 to 10). A current level of 7.0 percent of nonperforming loans to core capital combined with 4.3 percent from a year earlier contributes to the Good asset quality (5.6).
Other Rating Factors:
Excellent current capitalization (9.2 on a scale of 0 to 10) based on a risk-based capital ratio of 14.9 and a capital leverage ratio of 10.5. Operating profits as a percentage of assets at 2.0%, coupled with a return on assets of 1.6 has resulted in Excellent (7.7) profitability.
Asset Mix:
Comm re (29%), home mtgs (20%), cash (12%), securities (6%), comm loans (5%), home eq lns (3%), consumer loans (1%), other (23%)
States with Branches:
FL, 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
Port City Holding Company, Inc.
Investment Rating
--
Address
400 West Shotwell Street
Bainbridge, GA 39819
Bainbridge, GA 39819
Phone Number
(229) 246-6200
Year Founded
1974
FDIC Number
Website
Largest Affiliates
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