| Weiss Ratings |
The Bank of Lafayette
Lafayette, GA |
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| Rating | ||||
| Asset Quality Index | 6.90 | |||
| Capitalization Index | 7.90 | |||
| Liquidity Index | 4.60 | |||
| Profitability Index | 3.90 | |||
| Stability Index | 2.50 | |||
| 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 | 11.72% | |||
| 5-Year Asset Growth | 7.31% | |||
| 5-Year Charge-Offs to Average Loans | 0.02% | |||
| Charge-Offs to Average Loans | 0.08% | |||
| Non-Performing Assets to Assets | 0.36% | |||
| Non-Performing Loans to Capital | 3.63% | |||
| Non-Performing Loans to Loans | 0.93% | |||
| Balance Sheet |
The Bank of Lafayette
Lafayette, GA |
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| Total Assets | 448.31M | |||
| Total Deposits | 377.88M | |||
| Capital and Reserves |
The Bank of Lafayette
Lafayette, GA |
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| Capital | 17.97M | |||
| Leverage Ratio | 9.57 | |||
| Loan Loss Reserves to Loans | 0.59% | |||
| Risk-Based Capital Ratio | -- | |||
| Liquidity |
The Bank of Lafayette
Lafayette, GA |
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| Hot Money Ratio | 16.31% | |||
| Liquidity Ratio | 14.33% | |||
| Profitability |
The Bank of Lafayette
Lafayette, GA |
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| 5-Year Return on Average Assets | 0.54% | |||
| Net Income | 3.50M | |||
| Net Interest Spread | 2.67% | |||
| Operating Profit to Average Assets | 1.02% | |||
| Overhead Efficiency Ratio | 56.37% | |||
| Return on Assets | 0.78% | |||
| Return on Equity | 26.85% | |||