Major Rating Factors:
Excellent current capitalization (8.7 on a scale of 0 to 10) based on a risk-based capital ratio of 21.2 and a capital leverage ratio of 10.1. A current level of 5.5 percent of nonperforming loans to core capital combined with 1.7 percent from a year earlier contributes to the Excellent asset quality (7.3).
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 (5.5 on a scale of 0 to 10). Fair liquidity 4.2, driven by a liquidity ratio of 35.9 percent and a “hot money” ratio of 26.1 percent.
Asset Mix:
Securities (35%), cash (24%), comm re (22%), home mtgs (5%), consumer loans (2%), comm loans (1%), other (10%)
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
Putnam-Greene Financial Corporation
Investment Rating
--
Address
100 South Madison Avenue
Eatonton, GA 31024
Eatonton, GA 31024
Phone Number
(706) 485-9941
Year Founded
1922
FDIC Number
Website
Largest Affiliates
Pembroke, GA
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Bank
Cochran, GA
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Bank
Greensboro, GA
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Bank