Major Rating Factors:
Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 0.8 has resulted in Fair (4.1) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.7 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 12.8. A current level of 8.3 percent of nonperforming loans to core capital combined with 11.3 percent from a year earlier contributes to the Good asset quality (5.9).
Asset Mix:
Home mtgs (68%), comm re (5%), cash (5%), consumer loans (3%), home eq lns (3%), securities (1%), other (15%)
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
411 North Patterson Street
Valdosta, GA 31601
Valdosta, GA 31601
Phone Number
(229) 244-0164
Year Founded
1934
FDIC Number
Largest Affiliates
No affiliate information available.