Major Rating Factors:
A current level of 15.3 percent of nonperforming loans to core capital combined with 16.9 percent from a year earlier contributes to the Fair asset quality (3.7). Excellent current capitalization (7.2 on a scale of 0 to 10) based on a risk-based capital ratio of 13.4 and a capital leverage ratio of 9.2.
Other Rating Factors:
Operating profits as a percentage of assets at 2.0%, coupled with a return on assets of 2.0 has resulted in Excellent (7.9) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.3 on a scale of 0 to 10).
Asset Mix:
Home mtgs (29%), comm re (28%), cash (10%), comm loans (9%), home eq lns (6%), securities (2%), consumer loans (1%), other (15%)
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
Flint Community Bancshares, Inc.
Investment Rating
--
Address
2910 Meredyth Drive
Albany, GA 31721
Albany, GA 31721
Phone Number
(229) 903-1400
Year Founded
2006
FDIC Number
Website
Largest Affiliates
No affiliate information available.