Major Rating Factors:
A current level of 0.8 percent of nonperforming loans to core capital combined with 0.4 percent from a year earlier contributes to the Excellent asset quality (8.5). Excellent current capitalization (7.9 on a scale of 0 to 10) and a capital leverage ratio of 9.6.
Other Rating Factors:
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). Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 1.0 has resulted in Fair (4.9) profitability.
Asset Mix:
Comm re (28%), cash (19%), home mtgs (14%), securities (9%), comm loans (8%), consumer loans (3%), other (19%)
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
Hogan Investments I, Inc.
Investment Rating
--
Address
1448 Second street
Dudley, GA 31022
Dudley, GA 31022
Phone Number
(478) 277-1500
Year Founded
1905
FDIC Number
Website
Largest Affiliates
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