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 (3.7 on a scale of 0 to 10). A current level of 3.1 percent of nonperforming loans to core capital combined with 15.1 percent from a year earlier contributes to the Good asset quality (5.7).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 20.7 and a capital leverage ratio of 13.7. Operating profits as a percentage of assets at 3.6%, coupled with a return on assets of 2.7 has resulted in Excellent (10.0) profitability.
Asset Mix:
Comm re (35%), home mtgs (12%), cash (12%), securities (9%), comm loans (4%), consumer loans (2%), home eq lns (1%), other (25%)
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
Community Banks of Georgia, Inc.
Investment Rating
--
Address
15 Sammy McGhee Boulevard
Jasper, GA 30143
Jasper, GA 30143
Phone Number
(706) 253-9600
Year Founded
2000
FDIC Number
Website
Largest Affiliates
No affiliate information available.