Major Rating Factors:
A current level of 77.7 percent of nonperforming loans to core capital combined with 64.7 percent from a year earlier contributes to the Very Weak asset quality (0.0). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Very Weak overall stability index (0.9 on a scale of 0 to 10).
Other Rating Factors:
Weak liquidity 1.3, driven by a liquidity ratio of 19.9 percent and a “hot money” ratio of 56.6 percent. Fair current capitalization (4.7 on a scale of 0 to 10) based on a risk-based capital ratio of 11.6 and a capital leverage ratio of 6.8.
Asset Mix:
Comm loans (29%), comm re (20%), cash (15%), securities (8%), home mtgs (2%), home eq lns (1%), consumer loans (0%), other (24%)
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
Community Bankshares, Inc.
Investment Rating
--
Address
201 Broad Street
LaGrange, GA 30240
LaGrange, GA 30240
Phone Number
(706) 884-7999
Year Founded
1984
FDIC Number
Website