Major Rating Factors:
Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 1.0 has resulted in Fair (3.9) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.6 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (8.4 on a scale of 0 to 10) based on a risk-based capital ratio of 43.5 and a capital leverage ratio of 20.5. A current level of 0.4 percent of nonperforming loans to core capital contributes to the Good asset quality (6.7).
Asset Mix:
Securities (37%), comm loans (23%), cash (15%), consumer loans (11%), home mtgs (2%), comm re (1%), other (12%)
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
Investment Rating
--
Address
106 NorthEast Court Street
Marion, SC 29571
Marion, SC 29571
Phone Number
(843) 423-2150
Year Founded
1935
FDIC Number
Website
Largest Affiliates
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