Major Rating Factors:
A current level of 0.0 percent of nonperforming loans to core capital combined with 0.5 percent from a year earlier contributes to the Excellent asset quality (8.8). Good current capitalization (6.2 on a scale of 0 to 10) based on a risk-based capital ratio of 19.3 and a capital leverage ratio of 8.2.
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 (6.0 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 1.4 has resulted in Fair (5.0) profitability.
Asset Mix:
Securities (26%), comm re (22%), cash (21%), home mtgs (12%), comm loans (6%), consumer loans (1%), other (12%)
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
FNC Bancorp, Inc.
Investment Rating
--
Address
420 South Madison Avenue
Douglas, GA 31533
Douglas, GA 31533
Phone Number
(912) 384-1100
Year Founded
1991
FDIC Number
Website
Largest Affiliates
No affiliate information available.