Dedicated Community Bank
Major Rating Factors:
A current level of 6.0 percent of nonperforming loans to core capital combined with 8.9 percent from a year earlier contributes to the Fair asset quality (4.9). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.2 on a scale of 0 to 10).
Other Rating Factors:
Good current capitalization (6.2 on a scale of 0 to 10) based on a risk-based capital ratio of 11.7 and a capital leverage ratio of 8.4. Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.7 has resulted in Fair (3.9) profitability.
Asset Mix:
Comm re (33%), home mtgs (17%), securities (12%), comm loans (10%), cash (8%), home eq lns (2%), consumer loans (1%), other (16%)
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
No affiliate information available.