Major Rating Factors:
A current level of 7.2 percent of nonperforming loans to core capital combined with 7.8 percent from a year earlier contributes to the Fair asset quality (4.8). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.6 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (7.9 on a scale of 0 to 10) based on a risk-based capital ratio of 16.8 and a capital leverage ratio of 9.6. Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 1.2 has resulted in Good (5.7) profitability.
Asset Mix:
Home mtgs (23%), comm re (17%), securities (13%), consumer loans (8%), cash (7%), comm loans (4%), home eq lns (1%), other (27%)
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
Investment Rating
--
Address
50 Springs Road
Molena, GA 30258
Molena, GA 30258
Phone Number
(770) 884-5111
Year Founded
1899
FDIC Number
Website
Largest Affiliates
No affiliate information available.