Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 27.0 and a capital leverage ratio of 18.2. Operating profits as a percentage of assets at 2.3%, coupled with a return on assets of 2.2 has resulted in Excellent (8.4) profitability.
Other Rating Factors:
A current level of 0.8 percent of nonperforming loans to core capital combined with 13.0 percent from a year earlier contributes to the Good asset quality (6.9). 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 (20%), comm loans (14%), home mtgs (12%), cash (8%), comm re (3%), consumer loans (3%), other (41%)
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
Dawson Bancshares, Inc.
Investment Rating
--
Address
209 North Main Street
Dawson, GA 39842
Dawson, GA 39842
Phone Number
(229) 995-2141
Year Founded
1911
FDIC Number
Website
Largest Affiliates
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