Major Rating Factors:
A current level of 0.8 percent of nonperforming loans to core capital combined with 0.3 percent from a year earlier contributes to the Excellent asset quality (8.4). Good current capitalization (6.8 on a scale of 0 to 10) and a capital leverage ratio of 10.3.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.6 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 1.2 has resulted in Good (5.6) profitability.
Asset Mix:
Securities (37%), cash (13%), comm re (13%), home mtgs (11%), comm loans (3%), home eq lns (1%), consumer loans (1%), other (22%)
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
Peoples BankTrust, Inc.
Investment Rating
--
Address
1899 Buford Highway
Buford, GA 30518
Buford, GA 30518
Phone Number
(770) 932-1900
Year Founded
1984
FDIC Number
Website
Largest Affiliates
No affiliate information available.