Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 13.7. Operating profits as a percentage of assets at 1.8%, coupled with a return on assets of 1.8 has resulted in Excellent (7.7) profitability.
Other Rating Factors:
A current level of 6.8 percent of nonperforming loans to core capital combined with 4.2 percent from a year earlier contributes to the Good asset quality (6.1). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (5.0 on a scale of 0 to 10).
Asset Mix:
Home mtgs (32%), securities (18%), comm re (9%), cash (7%), comm loans (7%), consumer loans (2%), home eq lns (1%), 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
Georgia Community Bancorp, Incorporated
Investment Rating
--
Address
704 N. Westover Blvd.
Albany, GA 31707
Albany, GA 31707
Phone Number
(229) 995-8400
Year Founded
1936
FDIC Number
Website
Largest Affiliates
There are no affiliate to display.