Major Rating Factors:
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). Operating profits as a percentage of assets at 1.6%, coupled with a return on assets of 1.6 has resulted in Good (6.5) profitability.
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 13.0. A current level of 4.1 percent of nonperforming loans to core capital combined with 1.0 percent from a year earlier contributes to the Excellent asset quality (7.7).
Asset Mix:
Home mtgs (31%), securities (18%), comm loans (10%), comm re (8%), cash (5%), consumer loans (2%), other (26%)
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
No affiliate information available.