Bank of the Lowcountry
Major Rating Factors:
Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.7 has resulted in Fair (4.2) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.4 on a scale of 0 to 10).
Other Rating Factors:
A current level of 2.1 percent of nonperforming loans to core capital combined with 1.4 percent from a year earlier contributes to the Excellent asset quality (8.0). Excellent current capitalization (7.3 on a scale of 0 to 10) based on a risk-based capital ratio of 12.8 and a capital leverage ratio of 9.2.
Asset Mix:
Comm re (23%), securities (21%), home mtgs (20%), comm loans (9%), home eq lns (5%), cash (3%), consumer loans (3%), other (17%)
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
Communitycorp
Investment Rating
--
Address
1100 North Jefferies Boulevard
Walterboro, SC 29488
Walterboro, SC 29488
Phone Number
(843) 549-2265
Year Founded
1989
FDIC Number
Website
Largest Affiliates
No affiliate information available.