Major Rating Factors:
Operating profits as a percentage of assets at 0.8%, coupled with a return on assets of 0.7 has resulted in Fair (3.8) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.9 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 14.2. A current level of 0.2 percent of nonperforming loans to core capital combined with 0.7 percent from a year earlier contributes to the Excellent asset quality (7.6).
Asset Mix:
Comm re (51%), securities (14%), cash (4%), home mtgs (4%), comm loans (1%), other (26%)
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
American Bancorp, Inc.
Investment Rating
--
Address
4740 Log Cabin Drive
Macon, GA 31204
Macon, GA 31204
Phone Number
(478) 784-1448
Year Founded
2007
FDIC Number
Website
Largest Affiliates
No affiliate information available.