Major Rating Factors:
A current level of 0.1 percent of nonperforming loans to core capital combined with 0.6 percent from a year earlier contributes to the Excellent asset quality (8.9). Excellent current capitalization (8.7 on a scale of 0 to 10) based on a risk-based capital ratio of 23.5 and a capital leverage ratio of 10.2.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.6 on a scale of 0 to 10). Fair liquidity 3.9, driven by a liquidity ratio of 45.0 percent and a “hot money” ratio of 20.5 percent.
Asset Mix:
Cash (37%), comm re (23%), home mtgs (10%), securities (7%), comm loans (6%), consumer loans (2%), other (15%)
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
No affiliate information available.