Major Rating Factors:
Excellent current capitalization (9.6 on a scale of 0 to 10) and a capital leverage ratio of 10.8. Operating profits as a percentage of assets at 2.0%, coupled with a return on assets of 1.5 has resulted in Excellent (7.5) profitability.
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 (5.7 on a scale of 0 to 10). A current level of 9.4 percent of nonperforming loans to core capital combined with 9.8 percent from a year earlier contributes to the Good asset quality (5.4).
Asset Mix:
Securities (21%), comm re (21%), home mtgs (15%), comm loans (7%), home eq lns (5%), cash (3%), consumer loans (1%), other (27%)
States with Branches:
AL, 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
PeoplesSouth Bancshares, Inc.
Investment Rating
--
Address
203 West Crawford Street
Colquitt, GA 39837
Colquitt, GA 39837
Phone Number
(229) 758-5511
Year Founded
1973
FDIC Number
Website
Largest Affiliates
There are no affiliate to display.