Major Rating Factors:
A current level of 13.5 percent of nonperforming loans to core capital combined with 2.5 percent from a year earlier contributes to the Fair asset quality (4.6). Operating profits as a percentage of assets at 0.4%, coupled with a return on assets of 0.3 has resulted in Weak (1.3) profitability.
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 16.7 and a capital leverage ratio of 12.6. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.1 on a scale of 0 to 10).
Asset Mix:
Comm re (36%), securities (17%), home mtgs (11%), cash (9%), comm loans (8%), consumer loans (1%), 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
TCB Financial, Inc.
Investment Rating
--
Address
1433 Bernie Anderson Highway
Bellville, GA 30414
Bellville, GA 30414
Phone Number
(912) 739-5600
Year Founded
1941
FDIC Number
Website
Largest Affiliates
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