Major Rating Factors:
Excellent current capitalization (7.5 on a scale of 0 to 10) and a capital leverage ratio of 9.4. A current level of 5.8 percent of nonperforming loans to core capital combined with 12.2 percent from a year earlier contributes to the Good asset quality (6.4).
Other Rating Factors:
Fair liquidity 4.2, driven by a liquidity ratio of 7.9 percent and a “hot money” ratio of 17.9 percent. Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 0.9 has resulted in Fair (4.1) profitability.
Asset Mix:
Securities (54%), home mtgs (23%), consumer loans (5%), cash (3%), comm loans (3%), comm re (2%), home eq lns (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
LaFayette Bankshares, Inc.
Investment Rating
--
Address
101 West Patton Street
Lafayette, GA 30728
Lafayette, GA 30728
Phone Number
(706) 638-2520
Year Founded
1899
FDIC Number
Website
Largest Affiliates
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