Major Rating Factors:
A current level of 10.9 percent of nonperforming loans to core capital combined with 21.8 percent from a year earlier contributes to the Fair asset quality (3.4). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.4 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (8.5 on a scale of 0 to 10) and a capital leverage ratio of 10.0. Operating profits as a percentage of assets at 2.0%, coupled with a return on assets of 1.5 has resulted in Excellent (7.5) profitability.
Asset Mix:
Comm re (24%), home mtgs (15%), securities (14%), comm loans (10%), cash (5%), consumer loans (4%), home eq lns (1%), other (27%)
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
Lowndes Bancshares, Inc.
Investment Rating
--
Address
4 North Carter Street
Lakeland, GA 31635
Lakeland, GA 31635
Phone Number
(229) 482-3585
Year Founded
1907
FDIC Number
Website
Largest Affiliates
No affiliate information available.