| Weiss Ratings |
Vidalia Federal Savings Bank
Vidalia, GA |
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| Rating | ||||
| Asset Quality Index | 7.50 | |||
| Capitalization Index | 6.80 | |||
| Liquidity Index | 1.00 | |||
| Profitability Index | 0.00 | |||
| Stability Index | 5.80 | |||
| Company Info |
Vidalia Federal Savings Bank
Vidalia, GA |
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| FDIC Number | 29772 | |||
| Phone Number | (912) 537-8805 | |||
| Website | www.vidfedonline.com | |||
| Asset Quality |
Vidalia Federal Savings Bank
Vidalia, GA |
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| 1-Year Asset Growth | -4.85% | |||
| 5-Year Asset Growth | 1.25% | |||
| 5-Year Charge-Offs to Average Loans | 0.08% | |||
| Charge-Offs to Average Loans | 0.02% | |||
| Non-Performing Assets to Assets | 0.24% | |||
| Non-Performing Loans to Capital | 2.12% | |||
| Non-Performing Loans to Loans | 0.54% | |||
| Balance Sheet |
Vidalia Federal Savings Bank
Vidalia, GA |
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| Total Assets | 218.79M | |||
| Total Deposits | 166.23M | |||
| Capital and Reserves |
Vidalia Federal Savings Bank
Vidalia, GA |
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| Capital | 26.01M | |||
| Leverage Ratio | 12.04 | |||
| Loan Loss Reserves to Loans | 0.94% | |||
| Risk-Based Capital Ratio | -- | |||
| Liquidity |
Vidalia Federal Savings Bank
Vidalia, GA |
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| Hot Money Ratio | 33.29% | |||
| Liquidity Ratio | 37.93% | |||
| Profitability |
Vidalia Federal Savings Bank
Vidalia, GA |
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| 5-Year Return on Average Assets | -0.37% | |||
| Net Income | -1.38M | |||
| Net Interest Spread | 1.16% | |||
| Operating Profit to Average Assets | -0.80% | |||
| Overhead Efficiency Ratio | 161.19% | |||
| Return on Assets | -0.61% | |||
| Return on Equity | -5.20% | |||