| Weiss Ratings |
The Bank of Lafayette
Lafayette, GA |
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| Rating | ||||
| Asset Quality Index | 6.90 | |||
| Capitalization Index | 8.50 | |||
| Liquidity Index | 4.60 | |||
| Profitability Index | 4.50 | |||
| Stability Index | 2.80 | |||
| Company Info |
The Bank of Lafayette
Lafayette, GA |
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| FDIC Number | 9245 | |||
| Phone Number | (706) 638-2520 | |||
| Website | www.bankoflafayette.com | |||
| Asset Quality |
The Bank of Lafayette
Lafayette, GA |
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| 1-Year Asset Growth | 6.22% | |||
| 5-Year Asset Growth | 8.19% | |||
| 5-Year Charge-Offs to Average Loans | 0.02% | |||
| Charge-Offs to Average Loans | 0.03% | |||
| Non-Performing Assets to Assets | 0.41% | |||
| Non-Performing Loans to Capital | 3.32% | |||
| Non-Performing Loans to Loans | 1.01% | |||
| Balance Sheet |
The Bank of Lafayette
Lafayette, GA |
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| Total Assets | 411.24M | |||
| Total Deposits | 339.95M | |||
| Capital and Reserves |
The Bank of Lafayette
Lafayette, GA |
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| Capital | 17.64M | |||
| Leverage Ratio | 10.00 | |||
| Loan Loss Reserves to Loans | 0.58% | |||
| Risk-Based Capital Ratio | -- | |||
| Liquidity |
The Bank of Lafayette
Lafayette, GA |
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| Hot Money Ratio | 17.14% | |||
| Liquidity Ratio | 15.30% | |||
| Profitability |
The Bank of Lafayette
Lafayette, GA |
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| 5-Year Return on Average Assets | 0.54% | |||
| Net Income | 3.21M | |||
| Net Interest Spread | 2.66% | |||
| Operating Profit to Average Assets | 1.25% | |||
| Overhead Efficiency Ratio | 55.56% | |||
| Return on Assets | 0.96% | |||
| Return on Equity | 37.38% | |||