Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 16.0. A current level of 1.6 percent of nonperforming loans to core capital combined with 4.4 percent from a year earlier contributes to the Excellent asset quality (7.9).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.7 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 1.5 has resulted in Good (6.4) profitability.
Asset Mix:
Securities (36%), cash (16%), comm re (16%), home mtgs (9%), comm loans (9%), consumer loans (3%), other (11%)
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
Carver Financial Corporation
Investment Rating
--
Address
701 Martin Luther King Jr. Boulevard
Savannah, GA 31401
Savannah, GA 31401
Phone Number
(912) 447-4200
Year Founded
1927
FDIC Number
Website
Largest Affiliates
No affiliate information available.