Major Rating Factors:
Good current capitalization (5.6 on a scale of 0 to 10) and a capital leverage ratio of 12.0.
Other Rating Factors:
A current level of 0.6 percent of nonperforming loans to core capital combined with 0.5 percent from a year earlier contributes to the Excellent asset quality (7.9). 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).
Asset Mix:
Securities (40%), home mtgs (40%), cash (9%), consumer loans (1%), comm re (0%), other (10%)
States with Branches:
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
Investment Rating
--
Address
300 Jackson Street
Vidalia, GA 30474
Vidalia, GA 30474
Phone Number
(912) 537-8805
Year Founded
1936
FDIC Number
Website
Largest Affiliates
No affiliate information available.