The Farmers Bank
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 (4.5 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 0.9 has resulted in Weak (3.0) profitability.
Other Rating Factors:
A current level of 0.3 percent of nonperforming loans to core capital contributes to the Excellent asset quality (9.0). Excellent current capitalization (7.8 on a scale of 0 to 10) based on a risk-based capital ratio of 18.1 and a capital leverage ratio of 9.5.
Asset Mix:
Securities (36%), comm re (18%), home mtgs (15%), cash (9%), home eq lns (2%), consumer loans (2%), comm loans (2%), other (17%)
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
Putnam-Greene Financial Corporation
Investment Rating
--
Address
202 South Main Street
Greensboro, GA 30642
Greensboro, GA 30642
Phone Number
(706) 453-2335
Year Founded
1911
FDIC Number
Website
Largest Affiliates
Eatonton, GA
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Bank
Pembroke, GA
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Bank
Cochran, GA
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Bank