Farmers State Bank
Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 34.1 and a capital leverage ratio of 14.7. Operating profits as a percentage of assets at 2.7%, coupled with a return on assets of 2.7 has resulted in Excellent (10.0) profitability.
Other Rating Factors:
A current level of 0.4 percent of nonperforming loans to core capital combined with 0.6 percent from a year earlier contributes to the Excellent asset quality (8.9). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.0 on a scale of 0 to 10).
Asset Mix:
Cash (33%), securities (22%), home mtgs (17%), comm re (12%), consumer loans (5%), comm loans (3%), home eq lns (2%), other (6%)
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
Lincoln Bancshares, Inc.
Investment Rating
--
Address
115 North Washington Street
Lincolnton, GA 30817
Lincolnton, GA 30817
Phone Number
(706) 359-3131
Year Founded
1911
FDIC Number
Largest Affiliates
No affiliate information available.