Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 19.0 and a capital leverage ratio of 13.9. Operating profits as a percentage of assets at 2.1%, coupled with a return on assets of 1.6 has resulted in Excellent (8.3) profitability.
Other Rating Factors:
A current level of 2.8 percent of nonperforming loans to core capital combined with 0.7 percent from a year earlier contributes to the Excellent asset quality (7.5). 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:
Comm re (23%), securities (16%), home mtgs (12%), cash (5%), comm loans (4%), consumer loans (3%), home eq lns (2%), other (35%)
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
South Georgia Bank Holding Company
Investment Rating
--
Address
5515 Alabama Avenue
Omega, GA 31775
Omega, GA 31775
Phone Number
(229) 382-4211
Year Founded
1937
FDIC Number
Website
Largest Affiliates
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