Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 15.7. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (9.8 on a scale of 0 to 10).
Other Rating Factors:
A current level of 2.4 percent of nonperforming loans to core capital combined with 1.9 percent from a year earlier contributes to the Excellent asset quality (8.7). 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.
Asset Mix:
Securities (31%), comm re (15%), cash (14%), home mtgs (13%), comm loans (7%), home eq lns (1%), consumer loans (1%), other (18%)
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
Magnolia Bankshares, Inc.
Investment Rating
--
Address
130 Oak Street
Eastman, GA 31023
Eastman, GA 31023
Phone Number
(478) 374-3418
Year Founded
1909
FDIC Number
Website
Largest Affiliates
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