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). A current level of 0.7 percent of nonperforming loans to core capital combined with 0.3 percent from a year earlier contributes to the Excellent asset quality (8.7).
Other Rating Factors:
Operating profits as a percentage of assets at 3.5%, coupled with a return on assets of 3.5 has resulted in Excellent (10.0) profitability. Excellent current capitalization (9.0 on a scale of 0 to 10) based on a risk-based capital ratio of 15.6 and a capital leverage ratio of 10.3.
Asset Mix:
Home mtgs (31%), comm re (21%), cash (13%), comm loans (9%), securities (8%), consumer loans (3%), home eq lns (2%), other (13%)
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
DNB Financial Services, Inc.
Investment Rating
--
Address
211 East Ward Street
Douglas, GA 31533
Douglas, GA 31533
Phone Number
(912) 384-2233
Year Founded
2001
FDIC Number
Website
Largest Affiliates
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