The Citizens Bank of Swainsboro
Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 18.4 and a capital leverage ratio of 11.1. Operating profits as a percentage of assets at 2.3%, coupled with a return on assets of 1.8 has resulted in Excellent (9.9) profitability.
Other Rating Factors:
A current level of 0.7 percent of nonperforming loans to core capital combined with 1.1 percent from a year earlier contributes to the Excellent asset quality (8.6). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.7 on a scale of 0 to 10).
Asset Mix:
Home mtgs (24%), cash (18%), comm re (13%), securities (11%), comm loans (11%), consumer loans (3%), home eq lns (1%), other (18%)
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
Swainsboro Bankshares, Inc.
Investment Rating
--
Address
121 North Main Street
Swainsboro, GA 30401
Swainsboro, GA 30401
Phone Number
(478) 237-7001
Year Founded
1900
FDIC Number
Website
Largest Affiliates
No affiliate information available.