Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.5 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.3%, coupled with a return on assets of 0.3 has resulted in Very Weak (0.3) profitability.
Other Rating Factors:
A current level of 1.4 percent of nonperforming loans to core capital combined with 3.1 percent from a year earlier contributes to the Excellent asset quality (8.8). Good current capitalization (7.0 on a scale of 0 to 10) based on a risk-based capital ratio of 18.5 and a capital leverage ratio of 9.0.
Asset Mix:
Securities (33%), comm re (24%), cash (24%), home mtgs (5%), consumer loans (1%), comm loans (1%), other (12%)
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