BankSouth
Major Rating Factors:
Excellent current capitalization (8.8 on a scale of 0 to 10) based on a risk-based capital ratio of 15.3 and a capital leverage ratio of 10.2. Operating profits as a percentage of assets at 2.0%, coupled with a return on assets of 1.6 has resulted in Excellent (8.4) profitability.
Other Rating Factors:
A current level of 3.8 percent of nonperforming loans to core capital combined with 1.2 percent from a year earlier contributes to the Excellent asset quality (7.4). 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:
Home mtgs (33%), comm re (19%), cash (10%), securities (8%), home eq lns (6%), comm loans (3%), consumer loans (1%), other (19%)
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
BankSouth Holding Company
Investment Rating
--
Address
6340 Lake Oconee Parkway
Greensboro, GA 30642
Greensboro, GA 30642
Phone Number
(706) 453-2265
Year Founded
1946
FDIC Number
Website
Largest Affiliates
There are no affiliate to display.