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 (4.3 on a scale of 0 to 10). A current level of 1.3 percent of nonperforming loans to core capital combined with 11.8 percent from a year earlier contributes to the Excellent asset quality (8.0).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 24.2 and a capital leverage ratio of 15.4. Operating profits as a percentage of assets at 2.0%, coupled with a return on assets of 1.5 has resulted in Excellent (8.5) profitability.
Asset Mix:
Cash (19%), home mtgs (14%), comm loans (10%), comm re (10%), securities (4%), home eq lns (3%), consumer loans (3%), other (37%)
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
Investment Rating
--
Address
722 North Broad Street
Cairo, GA 39828
Cairo, GA 39828
Phone Number
(229) 377-7200
Year Founded
2000
FDIC Number
Website
Largest Affiliates
No affiliate information available.