Major Rating Factors:
Excellent current capitalization (8.5 on a scale of 0 to 10) and a capital leverage ratio of 10.0. A current level of 3.3 percent of nonperforming loans to core capital combined with 11.7 percent from a year earlier contributes to the Good asset quality (6.9).
Other Rating Factors:
Fair liquidity 4.6, driven by a liquidity ratio of 15.3 percent and a “hot money” ratio of 17.1 percent. Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 1.0 has resulted in Fair (4.5) profitability.
Asset Mix:
Securities (52%), home mtgs (23%), consumer loans (6%), cash (4%), comm re (3%), comm loans (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
No affiliate information available.