Southern Bank
| Weiss Ratings |
Southern Bank
Waynesboro, GA |
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| Rating | ||||
| Asset Quality Index | 8.30 | |||
| Capitalization Index | 7.20 | |||
| Liquidity Index | 2.80 | |||
| Profitability Index | 1.90 | |||
| Stability Index | 3.50 | |||
| Company Info |
Southern Bank
Waynesboro, GA |
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| FDIC Number | 16288 | |||
| Phone Number | (706) 437-9977 | |||
| Website | www.thesouthern.bank | |||
| Asset Quality |
Southern Bank
Waynesboro, GA |
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| 1-Year Asset Growth | 8.82% | |||
| 5-Year Asset Growth | 65.33% | |||
| 5-Year Charge-Offs to Average Loans | 0.17% | |||
| Charge-Offs to Average Loans | 0.11% | |||
| Non-Performing Assets to Assets | 0.30% | |||
| Non-Performing Loans to Capital | 1.02% | |||
| Non-Performing Loans to Loans | 0.16% | |||
| Balance Sheet |
Southern Bank
Waynesboro, GA |
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| Total Assets | 360.78M | |||
| Total Deposits | 307.06M | |||
| Capital and Reserves |
Southern Bank
Waynesboro, GA |
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| Capital | 30.57M | |||
| Leverage Ratio | 9.13 | |||
| Loan Loss Reserves to Loans | 1.02% | |||
| Risk-Based Capital Ratio | -- | |||
| Liquidity |
Southern Bank
Waynesboro, GA |
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| Hot Money Ratio | 40.19% | |||
| Liquidity Ratio | 27.33% | |||
| Profitability |
Southern Bank
Waynesboro, GA |
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| 5-Year Return on Average Assets | 0.02% | |||
| Net Income | 489.00K | |||
| Net Interest Spread | 3.27% | |||
| Operating Profit to Average Assets | 0.24% | |||
| Overhead Efficiency Ratio | 87.23% | |||
| Return on Assets | 0.19% | |||
| Return on Equity | 2.26% | |||