Mount Vernon Bank
Major Rating Factors:
Excellent current capitalization (8.3 on a scale of 0 to 10) and a capital leverage ratio of 9.9. Operating profits as a percentage of assets at 1.8%, coupled with a return on assets of 1.8 has resulted in Good (7.0) profitability.
Other Rating Factors:
A current level of 2.7 percent of nonperforming loans to core capital combined with 4.4 percent from a year earlier contributes to the Good asset quality (6.8). 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).
Asset Mix:
Securities (19%), comm re (15%), home mtgs (14%), cash (14%), comm loans (6%), consumer loans (2%), home eq lns (1%), other (29%)
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
Heart of Georgia Bancshares, Inc.
Investment Rating
--
Address
101 South Railroad Avenue
Mount Vernon, GA 30445
Mount Vernon, GA 30445
Phone Number
(912) 386-4700
Year Founded
1901
FDIC Number
Website
Largest Affiliates
No affiliate information available.