First National Community 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 2.7 percent of nonperforming loans to core capital combined with 1.3 percent from a year earlier contributes to the Excellent asset quality (7.3).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 12.9. Operating profits as a percentage of assets at 2.3%, coupled with a return on assets of 1.7 has resulted in Excellent (9.7) profitability.
Asset Mix:
Comm re (36%), cash (22%), home mtgs (10%), home eq lns (6%), comm loans (5%), securities (3%), consumer loans (1%), other (17%)
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
First Chatsworth Bankshares, Inc.
Investment Rating
--
Address
701 North Third Avenue
Chatsworth, GA 30705
Chatsworth, GA 30705
Phone Number
(706) 695-9646
Year Founded
1975
FDIC Number
Website
Largest Affiliates
No affiliate information available.