Major Rating Factors:
Excellent current capitalization (9.4 on a scale of 0 to 10) based on a risk-based capital ratio of 18.5 and a capital leverage ratio of 10.6. 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 (9.1).
Other Rating Factors:
Operating profits as a percentage of assets at 2.2%, coupled with a return on assets of 1.6 has resulted in Excellent (8.6) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.8 on a scale of 0 to 10).
Asset Mix:
Securities (40%), comm re (23%), cash (8%), home mtgs (8%), home eq lns (4%), comm loans (3%), consumer loans (1%), other (13%)
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
No affiliate information available.