The Commercial Bank
Major Rating Factors:
Operating profits as a percentage of assets at 0.8%, coupled with a return on assets of 0.8 has resulted in Fair (3.6) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.2 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 30.6 and a capital leverage ratio of 13.3. A current level of 2.0 percent of nonperforming loans to core capital combined with 2.1 percent from a year earlier contributes to the Excellent asset quality (8.2).
Asset Mix:
Securities (48%), home mtgs (15%), comm re (9%), cash (7%), home eq lns (6%), consumer loans (4%), comm loans (2%), other (9%)
States with Branches:
SC
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
Commercial Bank Shares, Inc.
Investment Rating
--
Address
Four Church Street
Honea Path, SC 29654
Honea Path, SC 29654
Phone Number
(864) 369-7326
Year Founded
1934
FDIC Number
Largest Affiliates
No affiliate information available.