C
BankSouth
Rating Date
March 2024
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
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Assets
Capital
Total
Deposits
Net
Income
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Major Rating Factors: Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 0.9 has resulted in Fair (4.6) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.3 on a scale of 0 to 10).
Other Rating Factors: Excellent current capitalization (8.7 on a scale of 0 to 10) based on a risk-based capital ratio of 13.6 and a capital leverage ratio of 10.1. A current level of 1.5 percent of nonperforming loans to core capital combined with 1.2 percent from a year earlier contributes to the Excellent asset quality (8.5).
Asset Mix: Home mtgs (32%), comm re (22%), cash (8%), home eq lns (5%), securities (3%), comm loans (3%), consumer loans (0%), other (26%)
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
Liquidity
Liquidity Ratio
Hot Money
Corporate Info
Group Affiliation
BankSouth Holding Company
Investment Rating
--
Address
6340 Lake Oconee Parkway
Greensboro, GA 30642
Phone Number
(706) 453-2943
Year Founded
1946
FDIC Number
Largest Affiliates
No affiliate information available.
Weiss Ratings