Major Rating Factors:
Operating profits as a percentage of assets at 2.4%, coupled with a return on assets of 1.7 has resulted in Excellent (9.5) profitability. Excellent current capitalization (9.3 on a scale of 0 to 10) and a capital leverage ratio of 10.5.
Other Rating Factors:
A current level of 2.4 percent of nonperforming loans to core capital combined with 4.1 percent from a year earlier contributes to the Excellent asset quality (7.0). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.3 on a scale of 0 to 10).
Asset Mix:
Comm re (18%), home mtgs (9%), securities (6%), comm loans (3%), cash (1%), home eq lns (1%), consumer loans (1%), other (61%)
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 Bank of Georgia, Inc.
Investment Rating
--
Address
700 West Parker Street
Baxley, GA 31513
Baxley, GA 31513
Phone Number
(912) 367-1221
Year Founded
2004
FDIC Number
Website
Largest Affiliates
No affiliate information available.