Major Rating Factors:
Excellent current capitalization (9.4 on a scale of 0 to 10) and a capital leverage ratio of 10.6. Operating profits as a percentage of assets at 1.8%, coupled with a return on assets of 1.4 has resulted in Excellent (7.2) 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 (6.0 on a scale of 0 to 10). A current level of 9.1 percent of nonperforming loans to core capital combined with 9.5 percent from a year earlier contributes to the Good asset quality (5.9).
Asset Mix:
Securities (23%), comm re (23%), home mtgs (14%), comm loans (6%), cash (4%), home eq lns (4%), consumer loans (1%), other (26%)
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
No affiliate information available.