Major Rating Factors:
A current level of 0.9 percent of nonperforming loans to core capital combined with 0.5 percent from a year earlier contributes to the Excellent asset quality (8.5). Excellent current capitalization (8.0 on a scale of 0 to 10) and a capital leverage ratio of 9.7.
Other Rating Factors:
Operating profits as a percentage of assets at 1.6%, coupled with a return on assets of 1.3 has resulted in Good (6.6) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.7 on a scale of 0 to 10).
Asset Mix:
Comm re (29%), cash (20%), home mtgs (14%), comm loans (8%), securities (8%), consumer loans (3%), other (17%)
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
No affiliate information available.