Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 23.4 and a capital leverage ratio of 11.2. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.5 on a scale of 0 to 10).
Other Rating Factors:
Operating profits as a percentage of assets at 1.6%, coupled with a return on assets of 1.3 has resulted in Good (6.4) profitability. Fair liquidity 3.4, driven by a liquidity ratio of 38.8 percent and a “hot money” ratio of 22.2 percent.
Asset Mix:
Cash (29%), comm re (25%), home mtgs (12%), securities (9%), comm loans (6%), consumer loans (2%), other (17%)
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
South Georgia Bankshares Corporation
Investment Rating
--
Address
299 West Liberty Avenue
Lyons, GA 30436
Lyons, GA 30436
Phone Number
(912) 524-2000
Year Founded
1935
FDIC Number
Website
Largest Affiliates
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