Major Rating Factors:
Excellent current capitalization (9.2 on a scale of 0 to 10) and a capital leverage ratio of 10.5. Operating profits as a percentage of assets at 2.2%, coupled with a return on assets of 1.7 has resulted in Excellent (8.9) profitability.
Other Rating Factors:
A current level of 0.7 percent of nonperforming loans to core capital combined with 5.7 percent from a year earlier contributes to the Excellent asset quality (7.7). 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:
Comm re (27%), home mtgs (17%), cash (12%), securities (10%), comm loans (6%), consumer loans (1%), other (27%)
States with Branches:
FL, 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 Banking Company
Investment Rating
--
Address
501 West 12th Street
Alma, GA 31510
Alma, GA 31510
Phone Number
(912) 632-8631
Year Founded
1939
FDIC Number
Website
Largest Affiliates
There are no affiliate to display.