Dedicated Community Bank
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.6 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 0.9 has resulted in Fair (4.3) profitability.
Other Rating Factors:
Excellent current capitalization (7.4 on a scale of 0 to 10) based on a risk-based capital ratio of 13.3 and a capital leverage ratio of 9.3. A current level of 3.6 percent of nonperforming loans to core capital combined with 6.4 percent from a year earlier contributes to the Good asset quality (5.8).
Asset Mix:
Comm re (32%), home mtgs (18%), securities (12%), comm loans (9%), cash (8%), home eq lns (2%), consumer loans (1%), other (18%)
States with Branches:
SC
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
Darlington County Bancshares, Inc.
Investment Rating
--
Address
202 Cashua Street
Darlington, SC 29532
Darlington, SC 29532
Phone Number
(843) 395-1956
Year Founded
1986
FDIC Number
Website
Largest Affiliates
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