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 (4.8 on a scale of 0 to 10). A current level of 7.4 percent of nonperforming loans to core capital combined with 8.6 percent from a year earlier contributes to the Fair asset quality (4.7).
Other Rating Factors:
Excellent current capitalization (7.6 on a scale of 0 to 10) based on a risk-based capital ratio of 16.9 and a capital leverage ratio of 9.4. Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 1.1 has resulted in Good (5.6) profitability.
Asset Mix:
Home mtgs (24%), comm re (18%), securities (13%), cash (9%), consumer loans (8%), comm loans (3%), home eq lns (1%), other (25%)
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.