Southeast First National Bank
Major Rating Factors:
Operating profits as a percentage of assets at 4.4%, coupled with a return on assets of 3.5 has resulted in Good (5.4) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.2 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 12.9. A current level of 0.0 percent of nonperforming loans to core capital combined with 0.7 percent from a year earlier contributes to the Excellent asset quality (8.9).
Asset Mix:
Cash (36%), securities (35%), home mtgs (13%), comm re (7%), consumer loans (3%), comm loans (1%), home eq lns (1%), other (4%)
States with Branches:
FL, 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
Summerville/Trion Bancshares, Inc.
Investment Rating
--
Address
10144 Commerce Street
Summerville, GA 30747
Summerville, GA 30747
Phone Number
(706) 857-3473
Year Founded
1968
FDIC Number
Website
Largest Affiliates
No affiliate information available.