Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 20.0 and a capital leverage ratio of 11.5. Operating profits as a percentage of assets at 2.5%, coupled with a return on assets of 1.8 has resulted in Excellent (9.1) profitability.
Other Rating Factors:
A current level of 0.0 percent of nonperforming loans to core capital combined with 0.0 percent from a year earlier contributes to the Excellent asset quality (9.0). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (7.0 on a scale of 0 to 10).
Asset Mix:
Securities (39%), comm re (27%), home mtgs (9%), cash (5%), home eq lns (5%), comm loans (3%), consumer loans (1%), other (11%)
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
Forsyth Bancshares, Inc.
Investment Rating
--
Address
651 Veterans Memorial Boulevard
Cumming, GA 30040
Cumming, GA 30040
Phone Number
(770) 886-9500
Year Founded
1997
FDIC Number
Website
Largest Affiliates
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