Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (1.5 on a scale of 0 to 10).
Other Rating Factors:
Weak liquidity 2.9, driven by a liquidity ratio of 29.3 percent and a “hot money” ratio of 50.5 percent. A current level of 14.4 percent of nonperforming loans to core capital combined with 25.3 percent from a year earlier contributes to the Good asset quality (5.2).
Asset Mix:
Home mtgs (51%), securities (25%), cash (14%), comm re (1%), consumer loans (0%), other (9%)
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
TSB Bancorp, Inc.
Investment Rating
--
Address
76 East Main Street
Woodland, GA 31836
Woodland, GA 31836
Phone Number
(706) 674-2215
Year Founded
1907
FDIC Number
Website
Largest Affiliates
No affiliate information available.