First National Bank of Decatur County
Major Rating Factors:
Operating profits as a percentage of assets at 0.2%, coupled with a return on assets of 0.2 has resulted in Weak (1.3) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (1.5 on a scale of 0 to 10).
Other Rating Factors:
Weak liquidity 1.3, driven by a liquidity ratio of 16.1 percent and a “hot money” ratio of 33.0 percent. Good current capitalization (5.5 on a scale of 0 to 10) based on a risk-based capital ratio of 10.7 and a capital leverage ratio of 7.5.
Asset Mix:
Home mtgs (25%), comm re (18%), securities (15%), cash (12%), comm loans (4%), home eq lns (2%), consumer loans (2%), other (22%)
States with Branches:
FL, 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
Bainbridge Bancshares, Inc.
Investment Rating
--
Address
819 East Shotwell Street
Bainbridge, GA 39819
Bainbridge, GA 39819
Phone Number
(229) 246-3131
Year Founded
2004
FDIC Number
Website
Largest Affiliates
No affiliate information available.